Debt sucks, plain and simple. For the people who find themselves drowning in debt it can feel as though there is no lifeline available. Once you are in debt it can be a long road to recovery.
Instead of waiting until you are in debt to deal with your money you should do what you can to avoid getting into debt in the first place. It’s actually not that difficult to avoid debt if you are smart with your money and are always prepared for emergencies.