If you want a hopeful story, I had 30k debt this year and things picked up for me from July, I paid all of my 30k debt in 2 months and made enough profit until October to quit my average day job and focus solely on my online business. When I had 30k debt, I didn't really feel all that overwhelmed because I believed that I could pay off. I just didn't think it would happen in the course of 2 months. I was just very lucky and believe fortune was on my side. I hope that it will be the same for you and you get all your dues paid and things will settle down! Sending you best wishes!