As long as it takes for people to get kicked out of their house nowadays letting the mortgage go is an option because I'm the type of person to take the risk on the cake shop. When you do have to leave find an apartment in the school district.
On the other hand I'm not you, I only know from my life experiences how much things can suck. I spent a lot of time unemployed for no better reason then I couldn't get my shit together, at least your reason isn't really your doing. My wife had to work 2 jobs to keep us a float, and I will never stop feeling shitty about everything we went through, because it was my fault. Some people will never know what a great spouse is, I have one, and now when she's going through a tough time I get to at least stand by her.
My point is, my wife and I are a team. Don't you think sitting down with your wife and discussing the options and letting her make this decision is the right thing to do? You're obviously the one having a hard way, let her help you make the big choices. That's what I'd do, I'm sure that wouldn't work for everybody and I've never met her, but don't take it all on yourself.
edit: re-reading this doesn't make a lot of sense, hopefully my point comes across.