I feel like such a loser because of my debt. – Sophia

I feel hopeless.. Don’t see a way out of this big black debt cloud I am under.. I have tried many ways to resolve my debt but nothing is working.. my last thought was to refinance my house and use the equity to pay off some bill to resolve a small portion of the debt… but the “credit counselor” told me my Debt/ratio was at 52 percent and I would not qualify…. AND now my student loans are coming due this month with no way to ever pay them.. I am such a loser.


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