When you have debt, it is said that you’re “underwater”. How deep you are—and how potentially tenuous your situation is—depends on how much debt you have. You can never come up for air and get a break from the stress that having debt involves until you pay it off. You can never reach the beach, sit on the sand, warm yourself and enjoy the breeze.
Life is so much better when you are financially fit! The only obstacle to keeping you from being debt-free is your decision not to do what is necessary to pay it off. That’s the simple truth.