I was raised by a single parent and watched her struggle with debt and promised that I wouldn't turn out that way. Now at 25, I am married with two kids and no job and under debt review. I am a very independent person and the reason I am asking for help is because I haven't been able to secure a job because of the review. If I could just pay everything back I could get a clear credit score and could secure a job. I don't have a car, house or fancy clothes so trust me when I say you won't be paying for an indulgent lifestyle.