Sometimes ownership is not quite what it first appears.
Many owners in this industry do not properly maintain their equipment, which experience shows will cost many more dollars at a later time. Some of however realize that a $150 maintenance charge now beats a $1000 replacement charge somewhere down the road.
You should consider the following.
1. what is your equity position on your tractors? Can you sell them for more than you owe?
2. if you are right side up on this equipment, will you have enough money to reinvest in a smaller truck without placing additional burdens on your financial situation?
Too many people enter this industry without a business plan. They enter based on inflated hopes and figures quoted by others, many of them without vested interest in their own equipment or without the experience needed to advise.
My advice to anyone considering entering the industry is to drive for someone or company for at least a year, giving yourself the hands on experience to make decisions involving thousands of dollars, and a change of lifestyle.
You should look up a post by RichM titled "Expectations" and read all the responses to it. The statement in this post will give you an idea of what this industry is all about.
It sounds like you have yourself in a situation that needs corrective action, however try to approach it with your bottom line in mind. While your gross income driving for another may be quite abit less than your present gross, if you choose wisely your net could increase significantly with the right choice. Do your homework, assess your financial stability, and make the right choice for your bottom line.
Good luck... I hope all works out to your benefit.