One of the central needs in life aside from food and shelter is healthcare. However, it can also be one of the most expensive aspects of your lifetime. Despite your health insurance coverage, you might still end up with bills you can’t pay.
Large medical expenses, a divorce or a lost job can all force responsible spenders into a situation where they need to carry debt to make ends meet. These debts can sometimes snowball into a situation where the debt begins to feel unmanageable.