torn. 😩

My husband and I have a beautiful daughter. She is 8months old. We would love to start trying for another baby when she turns one. But.. I just finally went back to work full time. We just now got caught up on bills. Still paying off her doctor bills, and now we get slapped with his student loans. . 400$ a month for one and another 100$ for the other loan. I guess I just feel like I will NEVER be financially stable to have another baby and it's just heartbreaking. We both really want 3-4 babies and I feel like it's not going to happen due to bills upon bills. Now I'm questioning even having anymore babies.