So sorry things stand the way they do....I know it is true for me, too, my H would have to choose to make a lot of changes within himself before we could ever try to build a new relationship. Knowing that doesn't really make it hurt less, not for me, anyway!!
At least you are cutting down your debt. That is next on my to-do list...
FWIW, I haven't been able to give up hope on my M, either...