“I live in a house that a family member owns and I am only required to pay the insurance, taxes and any routine maintenance.” (Photo subject is a model.) - Getty Images Dear Quentin, I am 48 years old. I am the wine director of a restaurant and my annual salary is $65,000. I have $48,000 in debt spread out, in order of biggest to smallest, between student loans, a loan with Discover, two loans with my bank, and the last $2,000 comes from credit-card debt. The company I work for does not offer any type ...