More important to you should be your credit. If you do a short sale, your credit will take a hit and lower your score. Unfortunately if you were further north /east closer to Manhattan, selling would not be an issue. However, given your location, selling your home is a bit different.
You need to contact your lender IMMEDIATELY!!! Most lenders are happy to work with owners PROVIDED they know about your financial situation early on BEFORE it becomes a bigger issue. Lenders have different programs / products to avoid you doing a short sale and ruining your credit. You need to find out about these now. Explain your situation and ask what your lender offers to avoid making your situation worse.
You need to know that realtors are ONLY interested in earning a commission from selling your home. They are NOT interested in helping you avoid a short sale or making your situation better for you. Only your lender has an interest because they own your loan.
Since it appears you are in the early stages, contacting your lender now will help you. If you wait, lenders will tell owners "Sorry but there's nothing I can do for you."