1. Proud of and Grateful for both you two, you're smart kids with bright futures
2. Your comfort level with debt during your undergrad years is concerning and putting you in a more desperate and risky situation than is necessary.
3. I hope you can understand a bit of confusion/frustration when you're saying you don't have money for groceries one week and then headed to Disneyland shortly after
Also, if I'm your SIL, I should feel a bit embarrassed that his wife had to beg you for groceries