August 4, 2013

Have you ever felt ashamed or frustrated by your debt? Or like you are the only one dealing with crippling debt?

I know I felt that way for a long time and couldn’t find many places where people discussed the emotional aspect of being in debt.

Being in debt can be tough on you emotionally and financially. It can also bring a lot of shame, guilt, and even sadness. I wanted to create a safe space where people in debt can gather to discuss the emotional aspects of debt, so I created the Dear Debt letter project, which are breakup letters to debt.

I invite anyone to write a breakup letter to debt. Many people have said writing a dear debt letter has been cathartic and helped them get clarity on their debt payoff goals.

I want to empower others to take back control of their lives and write a breakup letter to debt.

There is no right or wrong way to write a dear debt letter. I love them all the same, seriously, and am so inspired by everyone that writes one. We’ve had humorous letters, creative letters and deeply personal letters.

If you’re interested in writing a dear debt letter, all I ask is for you to be honest and have fun with it. I welcome anyone currently in debt or that has been in debt to write a dear debt letter and I respect anonymity if requested.

Here are examples of dear debt letters on the site. I look forward to hearing from you!

If you are interested in participating in the project, please email your letter to deardebt(at) along with a short bio.