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There is no quick way out. It took me 10 years to dig out in the good times. I recall the story of another young lad who wanted to move on with his life but found himself in debt $40,000 fifteen years ago. He worked overtime constantly and worked for cash anytime it was offered. He took over 5 years to dig out. He spent little on extravagances and paid his debts off one at a time. Now he is a pilo