Dear Money Mentor,

I am sick of hearing all about how well dairy farmers are doing. My husband is a dairy farmer and we are not doing well. We have increased numbers in recent years to get to the 100 cows that the farm has the potential to do. He is working every hour and yet we still don’t seem to be making progress. Recently, we have people coming to the door looking for money. Quite often, I am the one at home that has to deal with them. I can see that my husband is stressed. I work off-farm so have a break from it. Now he says that we need to take out a loan from the credit union to pay off the supplies from the last job we did in the yard. He is looking for me to guarantee the loan and help pay it back. If dairy farming is doing so well, why are we in this situation? More importantly, what can we do to get out of it?