$3500 could be somewhat tight for a family of four. I think that at this stage, you can only tahan with the amount of salary given to you and at least you got a job (better than nothing).

There are some questions, firstly is your wife working? secondly, what is your monthly expenses like? thirdly, how much do you save per month? fourthly, can you sell away your car, or do u really need a car?

Cause by getting away ur car, you can save $520 per month, which can reduce ur burden quite a bit