IB, Maybe he has and maybe he hasn't gotten so close to paying off his debt. Take what he tells your son w/a grain of salt. Too many of them say this and make promises to help their children out and then don't. Many of them tell their children things just so that the news will be carried back to the former spouse.
IB, you are trying to do everything and be a superwoman. Take each day as it comes and look at your list and see what you can accomplish that day....don't try to do everything in one day. Also, please do not compare yourself to your xh.
Believe it or not, you have a far better life than he does at the moment. You have your family w/you who adore you, family, friends and a nice home. Your xh only has the ow and spends very little time w/his children. What you have is worth more than a brick of gold.
Carve out some time each day for yourself. Be it you sit down and have a nice cup of coffee, read, watch your favorite show, or a bubblebath...you owe it to yourself to do these things.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.