"Being debt is such a struggle..." Actually, being in debt is very, very easy- so easy, in fact, that most Americans have found themselves in exactly that situation with little or no effort at all. It just requires spending more than what you have. It can be made more fun by complaining about it and pretending that its someone else's fault ("Society" and "The Economy" are the main go-to's in this regard, just a free tip there) but that's not necessary unless you want to be one of the whiny* entitled idiots featured in a Debt Relief Commercial.
Here's what's hard- living within your means. Unless you've got family to sponge off of, or know how to fill out all those forms to let the government take care of you, or you are one of these people and are just going to keep widening that gap between what you earn and what you spend, you are going to have to Do Without until you can increase the money coming in until it exceeds the money going out. Amazingly, there is no end to the number of people perfectly willing to be sponges. What they lack in initiative and energy they make up with an overabundance of entitlement and finger-pointing.
Know who pays for debt relief? People who don't use it. We get higher interest rates because the credit card companies that cut deals with scofflaws aren't going to swallow the loss all by themselves. And know what lesson is learned through debt relief? That debt is no big deal and Someone Else will take care of it when it seems out of control- which only happens when Big Mean Banks stop offering credit. What a great lesson for today.
*Actually, I'd appreciate it if these guys were a little more whiny and less chirpy and happy about getting some company to negotiate a write-off of thousands of dollars of debt that they never suggest is anything but 100 percent legitimate. Even the smallest acknowledgement that the problem was self-inflicted and something to avoid, instead of the "I got divorced, I'm a single mom, I got sick, Things HappenTM" drivel, would make me a LITTLE sympathetic. Instead, you get the sense that these people haven't learned a damn thing and will be back calling for "Debt Relief" inside of two years. And absolutely positive that they "deserve it."