First, I want you to know that your feelings are completely valid and many people experience this same struggle. You’re not alone in this. While debt can feel overwhelming, there are always steps you can take to regain control. Start by taking a deep breath – financial situations can be improved with time and patience. I recommend making a list of all your debts to get a clear picture, then contacting creditors to discuss payment options. Many are willing to work with you. Consider speaking with a nonprofit credit counselor who can help create a manageable plan. Remember, this debt doesn’t define your worth as a person. Every small step you take is progress. Be kind to yourself during this process – financial recovery is a journey, not a race.
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