Time to get out of debt. There is just too much stress in your life to add more and being in debt can cause you just so much stress. I am speaking for experience. It is just no fun and it relaly takes a toll on your overall health and even the way that you look, feel and are acting towards others. I was very hostile and always in a bad mood because money was always on my mind. It is a terrible feeling and I am feeling it again these days. There are places that can help you with your debt though. There is nothing like the feeling you feel when you are not in the red anymore. It is like a weight lifted from your shoulders!