I thought I had everything under control, but then when I couldn’t pay my rent and I had to borrow money from a friend, that’s when I knew things were not good. Having a lot of debt feels burdensome. You feel guilty, you feel ashamed. When I was told about credit counselling, I felt hopeful. I found them to be very sympathetic and they listened and they weren’t judging. They were just offering help. When I paid off my debt, I felt I could breathe again. Credit counselling means someone is there to guide you. You are not alone. Reach out. Ask for help.