It sounds like you have a debt problem. To have $70k in debt for a Jon that makes $25k annually is a problem that you can't go back and change now. My advice would be to either find a higher paying job (which is easier said than done) or go all in with your business.. running a successful business will most likely require you to work a lot more than 40 hrs/week, but its just as fulfilling as it is stressful.
If running a business seems like too big of a mountain to climb right now, the best way to make good money in this economy is to be a sales rep, preferably direct to consumers. For instance, you can make great money selling door to door products like security, directv, or pest control. That is what I did to get started.
When you start making money, pay off your loan as quickly as you can, AVOID MORE DEBT, and pay cash for everything and you will stay out of the situation you're currently in.
rewind the clock, skip college (and thus the debt), skip having the 2 children; and life will be tolerable.
... and put wife to work (which is only profitable without children i e daycare costs).
At this time, move in with the parents or in-laws to save rent money and daycare costs (assumes parents / inlaws can babysit). Sell the car and use public transportation to get to work, if possible.
Ask Obama to forgive his student debt (and stick the taxpayers with it).
Get section 8 housing, food stamps, and other taxpayer funded goodies (like free medical).
get a better job then one paying 23000. I assume that for 70k in student loan debt that they got a college education.
VERY VERY SLOWLY.......
