I have depts but its interest free I am trying to pay it off slowly I find it draining as each year I am hounded by them for more money but on my wages I just cant. When I tell people they always says what have you got to worry about its interest free and they cant make you pay any more than you are paying, I have to find money to go towards the fees for the home my father is in. He is senile and my mother is a manic depressive and tried to kill him. I know where every penny of my wages go thankfully I have a son who live with me that helps me with the bills. Sometimes I feel like all I want to do is die as the depression just makes everything worse than it is. Hang in there I dread going to work but I dread losing my job more. You are making steps to sort yourself out