But suppose you struggle through to the good and find that it also is dreadful? how if food itself turns out to be the very thing you can't eat, and home the very place you can't live, and your very comforter the person who makes you uncomfortable? then, indeed, there is no rescue possible: the last card has been played.
Debt is a trap, especially student debt, which is enormous, far larger than credit card debt. Its a trap for the rest of your life because the laws are designed so that you cant get out of it. If a business, say, gets in too much debt it can declare bankruptcy, but individuals can almost never be relieved of student debt through bankruptcy.