J.L.
Maybe if you say he really is a great guy then I would work on it. Guys are dumb, most of them shut down when it comes to talking about how they feel. Hes just as overwhelmed as you are. And it might be hurting his ego a bit if he has the "I can't provide for my family" feeling. I think you should give him some space. If you have family close by see if you can get the kids out for a while and take some time to yourself too.
I think that you should try and get your finances in order. See if you can consolidate your loans and get a lower interest rate. I think once you get you debt under control his attitude might change.