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I Am In Debt

Personal Stories, Advice, and Support 2,459 People

    Canadians In Debt

    Debt is, according to the Canadian Oxford English Paperback Dictionary, a sum of money owed, a state of obligation to pay something owed. If an individual is unable to start paying back a debt when requested to do so, the debt accumulates interest. In banking terms, interest is...
    shaandar shaandar 31-35, F 2 Responses Jan 10, 2013

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    Please Help Me

    when u reach bottom its time to ask for help and i realise thats my last resort,that there may be just one person willing to listen & help me. i need 8000 to get out of a debt that could cost me my home car and marraige,all i ask is a loan that i will repay short term back to...
    kayuk1 kayuk1 46-50 1 Response Mar 19, 2008

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    I don't know where I went wrong.

    I thought I knew how to manage my finances but now, I'm staring at the collections envelopes on the table in my mothers kitchen wondering how I went from a smart, independent, well traveled young woman to a 2 job holding, barely making it sob story. I know why, I was in love...
    Bellsecrets Bellsecrets 22-25, F 3 Responses Mar 2

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    I Owe $100k In Student Loans.

    Make that $200K if you add the interest I'll be paying over the next 25 years.I never thought about it while still in school since my parents were like, "If you get into a good school we'll do anything to pay for it". And once I got in, they said not to worry and to focus on...
    kokoliko kokoliko 22-25, F 3 Responses Jan 27, 2010

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    Because of my young, stupid mistakes I am in

    debt. Because of my debt I may not be able to marry the love of my life. I have until February to pay off most of it or no marriage for me.
    Ashabella Ashabella 18-21, F 3 Responses Dec 6, 2014

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    Slave To Debt And Tired Of The Rat Race

    My goal is to free myself from the slavery of debt in pursuit of materialism. My situation and my goals: 2003 economy was good, I was making $60k a year in sales, got a car lease in 2006 for $468. By 2007 I had major ankle surgery, 6 months disability, ran up some debt, the...
    workerbee101 workerbee101 36-40, M 1 Response Dec 17, 2009

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    Duh!?!

    i should have known better. hell i did know better. i charged up an enormous amount of money on my credit cards. that isn't even including doctor and hospital bills. it sucks to know you have nothing to fall back on because you already blew it on a million not needed craft...
    blackspiderlily blackspiderlily 36-40, F 3 Responses Jun 16, 2013

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    I stay up at night thinking about my debt

    (which is why I am writing now). I have 40,000 in debt including my student loan and I am currently unemployed. My quality of life is suffering due to my burden and I am ashamed of where I am in life right now.
    AHealingJourney AHealingJourney 31-35, F 4 Responses Jun 26, 2014

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    Leaving my husband has put me in debt.

    Finding it hard to pay for necessities now. it's depressing and lately the stress has been affecting my health. I try to get out of a very toxic relationship and have saddled myself with a brand new stress in exchange. This sucks.
    bcali bcali 36-40, F 2 Responses Aug 17, 2014

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    i owe some people money up to a 1000usd.

    its so bad that i have been indoors with my lights switched off..just so when they knock they dont think i am home.i loaned that money to help out my sister thinking i wiuld be able to pay them back...but now nothing...i cant even ask my parents and im a foreigner living in a...
    misshope01 misshope01 22-25, F 1 Response Jan 10

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    I'm in ridiculous debt mainly from giving money

    to people who I thought needed my help including my dead beat mum. To having such self loathing I thought a breast augmentation was needed to make me happy. I know am sitting on a 50 grand loan at the ripe young age of 20. Kicking myself and screaming at why I was so stupid. And...
    akimat2 akimat2 22-25, F 3 Responses May 20, 2014

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    Gambling With a Year Long Investment

    I am a web programmer and I took the gamble to spend the whole of last year programming a base set of code (in the form of classes) as well as a system to run it all on. The only downfall was that for that 12 months I barely slept more than 4 hours a night and lived in near...
    sacrine sacrine 18-21, M 2 Responses Jan 21, 2008

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    The American Dream

    School came easy. Applying, Accepting, Enrolling, and taking out the necessary student loans to cover my expenses. I was fresh out of high-school when I enrolled in an accelerated Bachelor's Degree program. A faster program seemed like the best choice for my current situation...
    LifesASitcom LifesASitcom 18-21, M 1 Response Mar 7, 2010

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    I have a student loan from a trade school

    that I entered in Shortly after high school to help me earn my high school diploma. Numerous amount of hospital bills and medical debts Bills mounting up, because I just don't have the money to take care of it right now. Granted I do have pretty good credit, but there is...
    NYSlilAngel NYSlilAngel 26-30, F 2 Responses Mar 30, 2014

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    When I was 19 I remember I was making around $9

    or so. I saved up every week and had almost $4 grand in my savings account. I remember I was able to buy anything I wanted and still off my no so stressful bills then. Fast forward 5 years later at the age of 25 and can barley save $300 that is going to my monthly IRA account...
    dailydreamer70 dailydreamer70 22-25, M 2 Responses Nov 11, 2014

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    Student Loans and Credit Cards

    Not only do I have student loans, as you others have mentioned, I also have significant credit card debt.  I'm trying to pay all this debt down now.  It's tough, but I'm making slow progress.
    NihonjinRXS NihonjinRXS 26-30, M 5 Responses Aug 3, 2007

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    I am retired on disability

    and don't know exactly how I got myself in such a mess, other than maybe miscalculating what my monthly obligations would be when I was getting more loans. My debts are $200 more than my disability income, without taking groceries into consideration. I am at my wits end. I...
    Ghosteriter1cq Ghosteriter1cq 61-65, F 2 Responses May 27, 2014

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    Debt Since 2008

    So I finally got in contact with the debt collection agency two days ago. She said that she is willing to offer me a deletion from all 3 bureaus if I agree to pay in full. I told her I would get back to her but I do not know how long it would take to get all of the money and if...
    swtn1311 swtn1311 26-30 May 24, 2013

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    Over My Limit!!!!

    I am waaaaaaaaaaaaay over my limit!! I am approximately $25,000.00 in debt :-( I have gained this debt over the last 2 1/2 years. Most of which I have done without child support or financial help from anyone outside of me. I have 2 young boys, both of which are acutely aware of...
    MegJgeM MegJgeM 31-35, F 9 Responses Jul 27, 2009

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    It seems like I have always been in debt.

    :( It's my fault for not paying more attention to my credit when I was younger.:( Right now, I get child support & social security. I get paid once a month. Since I had to buy the car in April, it's has seriously kicked my ***. But I'm glad that I have it. I have to make...
    RubyLane RubyLane 41-45, F Sep 18, 2014

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    Be Free Financial

    "Things were so tough. I needed money I wasn't getting enough." that's the reason why i decided to have a pay day loan. but im getting problems with the payment because of the high interest rate. Be free Financial was one that over a million Americans have turned to: they...
    XamanthaQueriel XamanthaQueriel 22-25, F 4 Responses Jan 23, 2013

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    My Love Story

    hello  guysi just recently joined this site to find some friends and write somethinghere i'm gonna tell you about my love story(which ended before began lol)I am 20 years old an indian guy belong to middle class family.when i was 14 i was used to go to school, one day i was...
    Demotivatedguy Demotivatedguy 18-21, M 2 Responses Jan 25, 2012

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    Yep

    Yes I am, we are in debt.  We own our house and no one can take that away from us but right now money is tight and we are falling further and further behind.  We both pay child support and my child support takes about 60% of all my checks.  We pay what we can on...
    rondat rondat 41-45, F 5 Responses Jan 15, 2008

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    Taking Responsibility For Irresponsibility

    It's no secret that I am horrible with money. I do not know why, but as soon as I receive money I feel the need to spend it, like it's physically impossible for me to hold on to cash. I really don't have a good excuse for my financial predicament. Like many in my generation, I...
    DispatchNinja83 DispatchNinja83 26-30, F 2 Responses Oct 9, 2009

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    So...I Got A Letter In The Mail From School

    If you've ever been or are a college student, you know the major pain of keeping up with money, especially if it's NOT yours and you're borrowing it. It's going nine years now in college and the other day, this mail from campus arrived to my door. Last year it said I was using $3...
    FashionQueen86 FashionQueen86 26-30, F 1 Response Oct 30, 2013

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    So deep in debt right now.

    Just thinking about it changes my mood. I feel like I can never be stable when I always owe. It shouldn't be so stressful and exhausting to get an education. These student loans are killing me. It's hard to get a scholarship when you have average grades and a average GPA but...
    Shygirl917 Shygirl917 18-21, F 1 Response May 20, 2014

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    Because there's something happened in my dad's

    business, we got a lot of trouble and its been 3 years i guess. At first my parent hid their problem until they can't do that anymore. We started to loan the money to keep up my dad's business. We gave out house certificate as the guarantee. I guess 2016 it will be over and i...
    thomascalvinn thomascalvinn 18-21, M 2 Responses Feb 18

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    This World Is In This Antinomy I Can'T See How To Get Out Of It

    When I try to even do simple math ...In the past there would be less people in the world.Each person having and living off of $ 100.00 and there is to say:100 people. So the amount of money in circulation is: $10,000.Now with making the Cost of living get in Higher Prices with...
    ChakraSolipsismMGP ChakraSolipsismMGP 56-60, M 1 Response Jun 27, 2013

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    Shameful Debt

    I am too ashamed to admit how much in debt I am. Most of it is student loan debt, but I also have significant credit card debt. I recently had an issue where I was a bit over the maximum on one credit card and the minimum payment due was nearly $900. Thankfully I have never had a...
    mspac mspac 18-21, F 30 Responses Jul 18, 2007

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    I Cannot See the Way Out

    For the second time in my adult life I am so far in debt I am not sure I can get out ... my problem is that I enable my grown daughter ... my husband and I run a consulting firm from our house ... business has been slow and we are watching ever penny we spend .. while my grown...
    ridgerocco ridgerocco 51-55, F 4 Responses May 4, 2009

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    Debt Collectors In a Down Economy

    I am frustrated.  Frustrated because, I know I am in debt, but because I was laid off and on top of it, a single parent of two (without child support coming in), I cannot pay back this debt as my finances are stretched thin and can only cover the basic needs of my household...
    WhatMattersCannotBeSeen WhatMattersCannotBeSeen 31-35, F 5 Responses Jan 30, 2009

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    Surviving Self Sabotage..a Heavy Price To Pay...

    Hi everyone, Am I every happy to have found you!!! I am a classic case of - I don't know what.  I just spent my entire life away.  No house, no car, no assets, no children, no boyfriend. I have been frivilous with  my money for many years.  I always had 2 jobs...didn't matter...
    freedolphin freedolphin 46-50 3 Responses Sep 5, 2011

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    If there was a place

    where you could save money on things you already buy, manage your money better and get out of debt while making a residual income all in one place would you be interested? What if Wal Mart said they would pay you for every person you sent to their store? Inbox me!
    CarlosWun CarlosWun 18-21, M 1 Response Jun 30, 2014

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    Life After Bankruptcy

    Well, my husband and I used to have way more debt than we do now.  We filed for bankruptcy a while ago and since then, life has been easier in some ways, more difficult in others. We still have tons of student loans to pay off and I have run out of forbearance time. ...
    frontier frontier 31-35, F 36 Responses Sep 29, 2007

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    I'm Loosing my house

    but Atleast I Have A car. so that's good I guess only $80000 in debt
    mundinger1992 mundinger1992 22-25, M 1 Response Mar 1

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    It's Frustrating

    I went to university, so I'd be in debt anyways because of my student loan. That wouldn't be so bad, they're not awful folks to deal with. The national student loans center is pretty understanding. However I also still owe the university. It's a very long and frustrating story...
    allusedup allusedup 22-25, F 1 Response Mar 9, 2009

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    In Debt Forever

    I figured out tonight that I will be 64 years old when I finally pay off my student loans if I keep going at the rate I am at now. Even if I am able to work full time eventually, it will still take me until I am 58. I am 44 now, I have two beautiful adopted children. We had so...
    sadindebt sadindebt 41-45 3 Responses Jun 19, 2013

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    How Do I Get Out Of Debt?

    More and more people in the UK are asking the question, “How do I get out of debt?” There are several solutions to this, if you debts aren’t large (Under £1000 for instance) the easiest way is to reduce your outgoings by spending less on luxuries, buying cheaper brands...
    HowdoIgetoutofdebt HowdoIgetoutofdebt 46-50, M 2 Responses Jun 27, 2013

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    I'm only 17 and owe 15,

    000 to a lawyer. My mom is helping me out with it which I'm grateful for but how can I think about college, or a car, or moving out with that big of a monkey on my back
    deletedprofile821 deletedprofile821 18-21, M 1 Response 6 days ago

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    About 30k By the End of Next Year

    I will have been in college for six years when I graduate next Spring (2008).  Thankfully, I only  used student loans the last three years, but that's still close to 27K in student loans.  I'm also getting married in Fall of 2008, so we may take out a loan to help...
    Chanteuse1984 Chanteuse1984 26-30, F 1 Response Jun 13, 2007

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    In Debt

    In 1999, my husband had quadruple by-pass surgery and has been working on low ever since.  We lost our business building.  His brother bought the mortgage and would never sell it back when we got on our feet.  He said he thought he'd make more money if...
    Callalilly Callalilly 61-65, F 4 Responses Aug 27, 2008

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    Wanting To Have A Baby

    I am 37 years old and just got married to my best friend almost 2 years ago. I love my husband with all my heart. The problem is that we have made some bad financial decisions after getting married (and probably before). My husband has $89,000 of school loan debt that he...
    westcountygirl westcountygirl 36-40, F 2 Responses Sep 5, 2012

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    Digging My Way Out....

    Most of the reason we are in debt is because. my husband, when we were first married, didn't know how to manage money. To be truthful, he still doesn't get a clue. My husband came from an affluent family. He was used to getting whatever he wanted whenever he wanted. I came from a...
    deleted deleted 26-30 3 Responses Aug 7, 2008

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    Almost Down And Out

    Ooooh.  This is a subject I DON'T like to think about!  I just move forward with my head down.  The depression wiped out 80% of my income, all of my savings, all of my retirement savings, all of my assets, all of my cash, etc., etc., etc.  I owe around $60,000...
    Zotz123 Zotz123 61-65, M 1 Response Dec 24, 2009

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    Comcast Xfinity T V ... Is Really Annoying Me

    COMCAST XFINITY TV ... Has and still is doing their conceited business at Annoying me.  And I don't know what to really do about it.  Back in 2008 when I signed up for the services.  I wanted the basic lowest fee service.  But that gives me all the crappy and...
    ChakraSolipsismMGP ChakraSolipsismMGP 56-60, M 3 Responses Aug 10, 2010

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    Over Whelmed And In Debt.

    We are all in debt to some degree,some more,some less.Most people would have noticed the cost of living changing over the years.It affect everyone,the young,the elderly,the people coming up to retirement.I listen to the young people at work with children telling me how hard it is...
    Lesely Lesely 51-55, F 2 Responses Mar 16, 2013

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