Somehow, some way, you've managed to get yourself buried underneath mounds and mounds of debt, and it may seem like there is no end in sight...I'm here to tell you that there is hope! There is hope; however, it will require some work on your part. First, you must understand that remaining in debt is a choice, your choice. Without that acknowledgement you deny yourself the power to change. Like any other sin, you have to admit to your wrongdoing, ask for forgiveness, repent, and start again. Getting out of debt is no different. Sure, you're the on that made the bad decisions to put items on credit cards, take out loans, put spending as a priority over saving, etc. But guess what? That same person, you, can also make the decision to turn away from your consumer ways and walk in the things of God. God doesn't want you to suffer in debt any more than he wants you to suffer in your sin. That is why he gave us the gifts of forgiveness and grace. Is he disappointed that we aren't better stewards of the resources that he's given us? Sure, he is. However, the moment that we decide to turn back to Him, he is there, waiting with open arms to help redeem us. Your debt isn't going to disappear just because you ignore it. In fact, the bible says that the wicked borrow and do not repay (Psalm 37:21). You chose to borrow the money, so now you must repay it. The sooner that you do, the sooner you can move on. It's definitely going to take some time and sacrifice to get it done, but it will be worth it in the end.
Proverbs 16:3 says, "Commit to the Lord whatever you do, and he will establish your plans." Let God help you through this process. He loves you and wants you to be debt free so that he can use you. On the other hand, you have to put in the necessary work to get it done. Show him that you're serious about changing your ways by doing a budget, giving on a regular basis, controlling urges to spend unnecessarily, etc. God will get you through it, but you have to put in the work. There is a light at the end of the tunnel. First you have to see it, then you have to move towards it. You are in control of your financial destiny. The question is, will you go after it? Redemption awaits!
Change requires action!