Jonquilyn Hill

Stuff like that, where I thought I was just being this really great, generous person.

And I was, but I was just digging myself into a hole.

Woohoo, swipe.

I was getting bills and I'm paying the bills minimum balance, thinking that I'm going to be able to make a fatter payment later on down the line.

And some weeks I'd have overtime and I'd have a little extra, but it was slowly, slowly creeping up higher and higher above my head.

When were you like, wait, this isn't just a thing that I can do?

So I was reaching the higher end of my credit limit and I needed more because I wasn't able to pay it off.

And I had luckily seen like a newscast where they were talking about credit cards and they're like, you can easily call them and ask for more.

So I did that and they gave me more.

Yeah, how deep did you get into that?

So about $3,500, something like that, which at this time, I'm like 20 years old, and that's an unattainable mountain that I can't summit.

I was compartmentalizing the feeling of being overwhelmed by my debt and just shoving it away.

And I had started college at the time.

So for those four years, I just didn't even think about it because now I've signed up for all these student loans.

So I've got an additional load of debt.

I'm like, you know what?

Just put it all in the back of your mind.

Someday you'll be a millionaire and you'll pay it all off.

I get a wake up call when I try to apply for an apartment and I am denied, which was super confusing.

I was like, what happened?