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Shame is a crushing side effect of debt. When surrounded by people seeming to spend with abandon, it’s hard not to feel like you’re failing to adult right. But often, it’s just that you’re overlooking the math.

Debt can be overcome, I promise. Maybe you think, “But how? I make too little to pay things off!” You’d be surprised.

When I decided to confront my debt, I thought my low income meant I was doomed, but a friend who survived bankruptcy and restructured his debt said he wanted to take me grocery shopping. How he looked at food was an education. It changed my life.

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