I am in hideous amounts of debt. I owe £12,000 which is half of what I earn in a year. Feels like I have screwed up the next five years whilst I pay it

12 years

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I am in hideous amounts of debt. I owe £12,000 which is half of what I earn in a year. Feels like I have screwed up the next five years whilst I pay it off.

I am such an idiot.

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