When you are seeking debt relief, you know there will be difficulties. Digging your way out of debt is not an easy task.

What many don’t expect, however, is the psychological toll debt can take on a person. Studies have shown that those with even small amounts of debt report feelings of fear, depression, and shame. Those feelings can lead to behaviors that attempt to ignore or even perpetuate the debt load, making the problem far worse.

So before you let yourself fall into the depressive spiral that can come with debt, here are ten reasons you deserve debt relief.

1. Bad Credit Doesn’t Make You a Bad Person

A lack of capital does not equate with a lack of character, and being in debt doesn’t say anything about who you are as a person.

Being deep in debt can bring feelings of shame and embarrassment, and it is easy to start beating yourself up over “allowing” yourself to get into this situation.

The truth is, while, yes, there are sometimes things you can do to avoid getting into debt, life happens. And sometimes, debt happens. The balance you carry has nothing to do with what kind of person you are.

2. Your Story Isn’t Uncommon

In this age of social media, it’s easy to think that everyone except you has their life on track. After all, Facebook and Instagram give us perfect snapshots of other peoples lives. So don’t be a fool into thinking that you are the only one in this situation.

8 out of 10 Americans are in some kind of debt, thanks in large part to high medical costs and the rising price tag on higher education. This means that you are part of the majority.

When you are looking into debt relief programs, it can be easy to let embarrassment take over so that you avoid getting help at all. But there is no story you can tell that debt relief experts haven’t heard before, and they are there to help you out of your debt.

3. You Didn’t Do This on Purpose

No one starts their adult life dreaming about someday drowning in debt.

Maybe it was student loans, or a personal emergency that maxed out your credit cards, or a medical emergency that has you drowning in hospital bills.

Whatever the problem, it isn’t something you did on purpose.

In addition, factors outside your control often have a huge impact on your debt load. Federal Reserve interest rates, cheap debt terms, and deferment programs have all contributed to the epidemic of debt in America.

So don’t beat yourself up.

4. You are a Person, Not a Credit Score

This can be hard to believe when your credit score is factored into everything from renting an apartment to getting a job.

But it doesn’t have to be your defining trait.

You deserve basic things like a place to live and a way to earn a living. If your credit score is hindering that, you need debt relief.

By lowering your debt load and repairing your credit score, you can help landlords, lenders, and future employers see you, rather than a number.

5. Everyone Deserves a Second Chance

We are all familiar with the benefits of forgiveness when people have made mistakes. But when it comes to second chances for ourselves, it can get a little trickier.

A second chance on your credit gives you the opportunity to learn from mistakes you’ve made and to create a better future for yourself.

6. You are Already Working Toward Debt Relief

The fact that you are even here, reading this article, is an indicator that you are working toward bettering yourself and seeking debt relief.

The fact that you are willing to put in the hard work it takes to repair your credit and get out of debt means that yes, you deserve the relief of debt-free living.

7. Debt Relief Makes You a Better Person

Have you ever thought about your debt and had that black heaviness of dread settle in your stomach? What will you do? How will you ever get on top of all the debt?

Now imagine life without that worry.

It’s nice, right?

When you aren’t saddled with the emotional burdens that come with debt, you can work on becoming the person you’ve always wanted to be. Without the latent depression, anger, and shame, you can take strides toward your best life.

8. Medical and Education Debt Aren’t Your Fault

Medical bills and student loans are the two biggest reasons people go into debt, and the costs are only rising.

There is a reason those two things are such hot political topics right now.

But those things aren’t your fault.

Seeking medical attention is a necessity, and shouldn’t bankrupt you. You shouldn’t have to worry about anything but getting better when you are sick or injured.

As for student loan debt, it is hardly fair for someone to be penalized because they sought higher education. Higher education, by the way, is still the biggest indicator of future success, so having to decide between career success and financial freedom seems ridiculous.

When it comes to the two most common types of debt, we are talking about things that are necessary for a healthy, successful life, and you certainly deserve to not be shackled to their debt for the rest of your life.

9. Unfair Business Practices Ruin Lives

In 2015, Citibank refunded $700 Million to credit card customers because of deceptive and unfair practices.

In spite of legislation limiting it, this kind of thing isn’t uncommon. Banks and credit card companies are there to make money, not protect your credit. Lawsuits like the one against Citi are commonplace.

Things like hidden fees, erroneous charges, and illegal collection activities can drive you deeper into debt, ruining your credit, through no fault of your own.

In certain cases, some of your debt may actually be the fault of your financial institution, and it is worth finding out if this is the case.

10. Financial Freedom Creates Opportunity

When you look back at your life, how much of what happened was part of a domino effect? One thing happens because of another, which happens because of another, and suddenly your life is completely different than it might have been.

Debt relief is like that.

When you aren’t constantly worried about collectors calling, you can be more free to answer your phone.

If you aren’t pouring money into credit card payments, you can travel or make more time for family.

While debt isn’t causing arguments over money, your marriage can heal.

As long as your credit score is repaired, you can get that big promotion you’ve been waiting for.

When you are buried under debt, it can feel like there is no way out and that maybe you don’t deserve a way out. But the reality is that everyone deserves a way out, and everyone needs a little help sometimes.

Contact us today to see how we can help you toward the financial freedom you deserve or for the Debt Reduction Program Etc.