I cant really begin to start to tell you what debt has done to my life, its turned it up-side down, and left me at the dead bottom. My lifestyle has gone from a happy, active and everything to life for one, to a sad, staying in all the time and feeling i just cant cope. Some say, you brought it on your self! My issue is, i did, well in a way. I had a partner who had a poor credit rating, and i got her a loan. I also lent her my credit card (3k limit) just incase of emergency. Within 3 months she failed to pay anything back on her loan, and max'd out my credit card. Debt has been a barrier in our relationship for sure, and if it wasnt for the fact we have a daughter, we would have been long since over as i just cant cope. I see her paying other debts, and she just push's mine to the side and says she will tomorrow, etc. On-top of that, i lent her 2.5k from savings, and paid all bills from the house, plus a fair few rent payments. Did i mention that i am a student? All this got me deeper and deeper as i "had" a good credit rating, so had a loan to cover the shortfall in repayments, and again i was promised she would pay, and never did. My repayment on all debts are 300 more than i have income, add rent and living in, and i am over 1k per month down. On-top of that, student loans have had my application over 3 months and still not processed, and i bet when it is, i get little to nothing. On the health side, and mental i am just drained. I have high blood-pressure despite been early 20's, i have no energy ever, i am always feeling down, and just have no self esteem or anything like it. However, too look at my you'd not tell i was so down, only person who knows is my mom as i guess she knows me the best. I bottle it up, as for little to no help and never dump my issues on people. I put a smile on my face and make all is well, but deep down its far from it. I have read many accounts on here of the downs of debt, and i hope all pull through, get debt free and go on to live a happy and debt free life.