They say you will be awakened from reality if it hit hard on you and usually it's at the end of the storm. I was unemployed for some years because I took care of a loved one whos terminally ill that time and had lesser time to look for an employment hence resources depleted and I paid lesser than I should and none at times and the amount of debt grew. By the time I got a job, my salary can't sustain my monthly allowance for my needs while paying half of my salary on my debt. I sold some of my things to fund my debt payment. I am fully awakened by this horror and have learned my lesson. I wanted to clear off my debt and start again the right way.