Debt is a curse
Debt was never in Gods agenda for His children, in the contrary He prepared everything for His children putting them in place, so we could use them accordingly, however for our lacks of understanding which is equal to misunderstanding. We have replaced Gods desires toward us by replacing it for a false substitute called Debt because we have given away our childrens authority adopting slaves position. Therefore, we cant fully enjoy what God already gave to us because we dont know that those things are ours.
Please let me help you get out of your difficult situation by the instructions given to me by head quarter and take it seriously and you will see that it wont take you a year before you see yourself flourishing however you have to commit and be serious about it, not only that you have to commit to your goal believing in your supplier and provider which is the God who owns silver and gold and everything that exist. We cant continue to contradict what God said, neither can we give away what God is giving to us as His children.
2 Corinthians 8:9
9 For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you through his poverty might become rich.