When you’re drowning in debt, it often feels like the world is caving in around you. Your thoughts are swirling and just won’t stop. You’re not sleeping, and you’re worried if your next paycheck will be enough to provide for your family. And then the questions fueled by endless worry begin: How will I make ends meet? How in the world will I cover my mortgage/rent this month? Will these debt collectors call my boss (how embarrassing)?