There is nothing wrong with you for being in debt.  Most Americans are, and it is an epidemic that has been gripping our country since its inception.  The great thing is, there is a program that will help to get almost anyone out of debt by the third to fifth year of their situation.  It is called Debt Free in 3 and it has been instrumental in getting me debt free.  The Debt Free in Three System review that I read was very complimentary of the system, and that was part of the reason that I started to use it.  It gave me all kinds of helpful hints on how to get free.