Dear Debt, We’re Getting Divorced

Hey debt fighters! We have another dear debt letter for you from Marly. Marly has $46,000 in student loan debt. She currently works three jobs, one being a Brand Ambassador and is focused on paying off debt. 

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Dear Debt,

We have been together for 13 years now. 13 years! You are my longest relationship to date, but it is time to let you go. Our relationship has been stale for a while; I only give you the bare minimum so that you would not bother me. I just have never been in the mood to give you more.

I kept you around by giving you my crumbs and you stuck around. Month after month. Year after year. I wanted to enjoy my life outside of you. But I am now realizing that I can’t live like this.

I can’t fully enjoy my life with you around. It’s started to feel like a one-way relationship; you get your pleasure and your fun from all the things that “interest” you and I was stuck footing the bill. Month after month you do this to me. You take, take, take.

Don’t get me wrong. I do appreciate the fact that my babies would not be in my life because of you. Job, Skills, and Competence would not be here today if it wasn’t for you. I love them very much. But you are draining me. It’s time to say goodbye, once and for all.

I received the final divorce papers today stating I am paid in full. This means we are through. I have no legal obligation to see you again.

Sincerely,

Marly Rateau

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Melanie

Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances. She is passionate about empowering women, helping others get out of debt, and focuses on the intersection of debt and mental health. Every September she organizes a Suicide Prevention Awareness Blog Tour, to help share resources for those struggling with debt and suicide. In addition to her love of personal finance, art and music, she is also a karaoke master and a cat mom to Miles and Thelonious.

Latest posts by Melanie (see all)

• Talking About Money and Mental Health - September 12, 2022
• Dear Debt, We’re Better Apart - June 27, 2022
• Announcing The Mental Health and Wealth Summit - May 4, 2021