Ahhh, but there is only one of you and there were two of us adding to the debt. LOL! So I had help, not to mention that 99% of that was taking care of dmil. Rose who is proud to say as of today’s payment on that bill it is now UNDER $17,000 and other than the two mortgages that is her absolute highest bill (which it is double any of the others) in OK . My worst was a card with a $33,000 limit that was maxed out. In fact, I think running into that credit limit was the catalyst that made me realize I needed to do things differently.