What about the other households? They are drowning in debt, too. They desperately need more income to meet those big monthly minimum payments.
So when you're visiting with a prospect who has a nice house, a nice car, and nice clothes ... remember, your prospect may be desperate for a solution to his monthly cash flow.
You're the solution.
Instead of talking about $10,000 a month, try pointing out that your opportunity can provide $300 to $500 a month in extra cash. For some prospects, this is more believable.