For many people, debt happens slowly and then all at once. Austin Kilgore, analyst for the Achieve Center for Consumer Insights at Achieve , notes that “consumers are overwhelmed by debt and the cost-of-living crisis.”  According to Kilgore, 57% of consumers estimate it would take 6 months or longer to pay off all their short-term, unsecured debt like credit cards, buy now pay later loans, personal loans and medical debt. What’s more, 35% say it’s “very difficult” or “difficult” to maintain on-