Here's how I would handle this:
First Steps: Put this plan into action this month. You will not get behind on your bills.
Apply for IBR: Your payment should be around $320 per month on that salary and a family of 4.
Energy: I have no idea what type of heating your house takes, but if you can learn to dress for the weather, you can be comfortable between 64 and 78. Learn to embrace the seasons. (-50 -100 per month.)
Groceries: Now that you are staying home, learn to cook from scratch. I mean, make your own bread, the whole nine yards. You can feed your family on $450 per month easily. Most of the cost of groceries comes from convenience packaging. Budget an additional $200 for non food purchases.
Phone: Ecomobile costs $5 per month (Sprint). Airvoice wireless costs $10 (ATT). Are you stuck in a contract? Calculate if it will be worth it to break it. It was worth it for me.
Internet: Call and complain about the bill, ask them to cancel. Don't agree to anything more than $40 per month. Have them turn it off if you have to. You can call back 5 minutes later and get the new customer special, but it won't come to that. The squeaky wheel gets the grease, etc.
Two to Three months:
Student Loans: Take two classes in the spring instead of one, now you have no payment because you have in school deferment.
Move out of NJ asap. You will never get ahead there. I'm crossing my fingers that you get the job in CO.
Notes: I've been a SAHM for the last 6 years living on my husband's salary of $35k per year. I just returned to work a couple of months ago. I think you'll be surprised how much money you can save when you have all day to put in the effort to find the best deals. You'll have some tax advantages at the end of the year too. With so many small ones, it's probably not worth it for you to go back to work at the moment, unless it's just a weekend job as others suggested. Personally, I would spend the time trying to save money in other ways without the stress of two working parents. Clean out your closets and sell stuff on Craigslist and Ebay instead.