Happy Friday! We have another dear debt letter for ya. Markita from Shewasdebtful.com is currently working her way through her student loan repayment plans while holding herself accountable to paying off debt. 

Dear Debt,

Do you have any idea what you’ve done to me? You remind me of my last relationship, where I kept running back to them, even though they treated me like crap.

Was it their fault that I sought the normalcy of the relationship? I say no. I got used to the treatment, but like that relationship, I am calling it quits. With them and with you.

There will not be anymore tears of frustration looking at the overwhelming number for two degrees that have yet to help me get a full-time professional job.

My depression will not stem from the knowledge that I will have to pay for 10 years worth of debt plus interest well into my 30s. Something that I promised myself I would NEVER do.

Freedom. I was doubtful that I could see the end of the tunnel, but just having the vision is already making me feel elated and confident that the future struggle will be worth it.

The credit cards are done too. My car will be paid off and any future large purchase will be paid in full. What, no house? Not in the near future.

Because you see debt, I plan to travel. By myself or with friends. Not with you or any form of you. I’m gonna be free from you and the chains you hold on me. It will all be over. I choose to move on. I choose to be free from you, debt. It will happen.

Markita from Shewasdebtful.com


Melanie is a freelance writer currently living in Portland, Oregon. She is passionate about education, financial literacy, and empowering people to take control of their finances. She writes about breaking up with debt, freelancing, and side hustle adventures at DearDebt.com.

Currently she puts more than 50% of her income towards debt, while living a frugal, fun life. In addition to her love of personal finance, art and music, she is also a karaoke master. Follow the adventure @DearDebtBlog.

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5 responses to “Dear Debt, Do You Know What You’ve Done to Me?”

  1. “You remind me of my last relationship, where I kept running back to them, even though they treated me like crap.” This reminds me of a terrible sexual abuse case that has just concluded (“Not guilty”) here in Canada. I hope that your situation was not as traumatic. Markita, the future struggle WILL be worth it. And you’ll experience a growing freedom well before you hit $0. All the best!
    Prudence Debtfree recently posted…Changing Seasons of Debt Reduction: Episodes of The UnpredicatableMy Profile

  2. I’m always inspired by someone who is paying off student loans, just like me. Way to go!!
    Natalie @ Financegirl recently posted…Why It’s Critical for You to Save for Retirement NowMy Profile

  3. Markita says:

    Thanks for the support. The relationship was more like high school and college rolled into one. A person trying to act mature, yet they couldn’t decide what they wanted in life and of course I was ready for the next step only to have that person keep saying they weren’t ready and ending the relationship. Chance after chance and yet I didn’t learn until the last time. Getting to old to deal with that. Which is why I can’t wait to be done with the debt, like I ‘m done with that relationship.

  4. Yes! You can end the cycle. You can do this. When we started our journey, we had $265,000 on our debt-free white board. We are down to $19,999. We have switched to cash and it made all of the difference. I believe in the cash system so much I even started selling sets on Etsy! https://www.etsy.com/shop/CraftySundays?ref=hdr_shop_menu

    You can do this. Break up with debt.

  5. BE gone debt, I now know and understand that debt can be eliminated with focus and purpose. Good letter, and best of luck in your travels.
    EL @ MoneyWatch101 recently posted…Car Dealer ShenanigansMy Profile

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