> It’s okay to be in debt and worried. Not in this case. With no family/child obligations, the short term goal-- and, depending on the size of the debt, midter

> It’s okay to be in debt and worried. Not in this case. With no family/child obligations, the short term goal-- and, depending on the size of the debt, midterm goal-- needs to be paying down the debt. Just take the example of the measly two-nights-in-a-hotel savings. Without debt she could freely decide to save for a month or two and increase that number by one or two orders of magnitude (depending on current job's income). Ahhh. With debt that savings cannot increase. No decisions are available to make. Sorry to be flippant but getting out of debt is the only option here. Giving any other advice would be like talking chess strategy to someone eternally stuck playing tic-tac-toe.