Debts and Loans: How to Climb Out of the Pit Without Panic

When debts grow bigger than your strength, it's not just your budget that changes. Your view of yourself changes: it seems you can't cope with life, that you can't tell anyone what's happening, that there's no way out. This state wears you down no less than the payments themselves, and it's important to start here — because in a panic, a person can neither do the math nor negotiate.

Why Debt Is Scary for More Than Just Money Reasons

Debt hits more than your wallet. It hits your image of yourself as a grown, independent person who keeps life under control. When that image crumbles, it feels like everything is crumbling.