So I've been debating whether to respond, since my advice is the same as everyone else's, but I do want to go a little big-picture. I get the impression of things being sort of out of control and overwhelming -- you have three small kids, which is basically a full-time job in and of itself; and on top of that, your family runs its own business, which provides what sounds like a good income ($40-50K just in dividends?), and yet you have almost no emergency fund or ready cash; you have and multiple debts at high interest rates, and that debt load is actually increasing over time; and you have tax debts and basic questions about the company's structure that tell me you don't actually know what you're bringing in. And yet you seem so calm writing it, as if all that's just sort of normal! It's like the synchronized swimmers who look so perfect and calm above the surface, while underneath their legs are just thrashing like mad to stay afloat.
So my advice is to breathe. You have time. Do not put some vision of what your life "should" be ahead of dealing with what you have now -- you need to adapt to your current reality so you can be in control and in charge before you add still more craziness to the pile.
First thing: it sounds like you guys largely rely on your husband's business. But if you are going to stay on top of the finances, you need to know that, too (I mean, he's already pretty much proven that he doesn't have a handle on the business structure, income, or taxes, right?). Find a CPA or a lawyer. Make sure it is structured properly, and that you are withholding/paying the appropriate amount of estimated taxes. You need to spend a little money to get your arms around this business so that you can maximize your income and plan for the appropriate tax hit.
While you are doing that, begin tracking all of your expenses, religiously. Again: the continued debt creep suggests that whatever budget you are following, it is not accurate. So watch and account for everything -- income from the business, the associated tax hit, all of those kid- and school-related expenses, the coffee/lunches your DH picks up while at work, your entertainment subscriptions, everything. If it comes in or out, write it down. Only after you do that will you be able to tell what you have to work with.
Then you can make a budget and evaluate how quickly you can pay down the loans and what kind of a lifestyle hit you are willing to take to do so more quickly. I bet you that when you write down everything you're spending, you will be shocked at what is going into things like takeout -- when your life is out of control, the immediate temptation is to outsource and treat yourself, you know? But when you assert control and see how little enjoyment you actually got for how much money, you will likely be able to find more "easy" cash to throw at the loans. But even if that doesn't happen, at least you will have a real budget with some real certainty about when the loans are paid off, so you won't always be resorting to CC2 to pay of CC1 and the like.*
Finally, when the loans are gone and your EF is up to a couple of months' expenses, then you can think about having another baby. Think of the baby as the reward for all of the effort you put in to get to that point. :-) You can do this!
*It also sounds like the business income may be up and down. That's ok. Then you just plan for a minimal income, based on the historic lows, and you design your budget around that, even if it requires some cuts. And then when you have a month that brings in more, you can throw extra at the debt and give yourself a little treat here or there. But you will feel more confident and comfortable because you know you have the basics covered no matter what.