some of it are student loans, its not as bad as it has been, but this s*** is really f***ing with my brain. Working extra just so i can pay of this debt while also trying to finish school is f***ing me up mentally. I’m down like 5k in debt so its not as bad anymore, i was used to getting reminders that i had loans to pay off every damn month, while working a s***ty job. Now i am almost out of this mess, but i think it f***ed me up mentally. The amount of stress it has given me mentally is crazy. I feel like it even gave me some type of ptsd, whenever i get mail send to my adress i get shook.

It is much better now I am proud of being out of this mess (almost)

On the other hand i was never homeless, always had food and water to drink, never really struggled like that. A lot of people had it much worse but it was still stressful.

Take a step back and look at it positively. You now have that monthly debt payment liability as disposable income . Put it into investments/equities and set your future up well

that is correct, the last couple of months have been much easier mentally too. Believe me or not, it may sound like im overreaction but there was a point where i felt like i had no real freedom. I was working just to pay of debt, and couldn’t enjoy anything.

Nah it’s no overreaction man. Debt can feel crippling and the mental component of debt is often more detrimental/scary than the on paper accounting.

This. Also realize while it may seem insurmountable at this point in life, plenty of people f*** up with credit cards, loans, etc (I damn sure did) and come back from it. I had about 20k in debt at one point but I did eventually deal with it. Is it an unfortunate mistake to end up in uncontrollable debt? Yes. But dwelling on the initial mistakes will simply make it much harder to focus on making timely payments. And by the time it's paid off, you'll at the very least have a much more solidified credit score so something to look forward to once you walk through the fire

Congrats on getting so far btw