There's a moment when the debt you're carrying shifts from being stressful to being a full-fledged emergency. That alone is stressful enough, but what further adds to the issue is that most people don't recognize that shift until they're already there. For some borrowers, it may click that their debt problems have gone from bad to worse when they realize that they can only afford the minimum payments on their credit card debt. For others, it may be when an unexpected expense results in choosing