You may have the steering wheel cranked too hard to one side or another (VERY hard on the rack, and pump!). Try this: Pull on the wheel to one side, then the other while working the key.
If that doesn't work, get your husband to try it.
If that doesn't work try pushing the shift lock button, while moving the shifter to neutral, then try the key.
Cost: $0
Let us know if you are successful.