Out of curiosity: Damn, $6k per month? What kind of work are you doing to have that much left over for debts?
We're living extremely frugally when it comes to absolutely everything other than career-related expenses, and my fiancée is covering all of the shared bills.
If you saw our apartment, you'd probably guess that our combined income is around 10% of our actual combined income. (It's terrible, but it's a short, well-lit, heavily populated walk to the Broad Street Line, so it seems safe.)