Thats why we really need to be aware of debt, and better not to start it, never buy something which is beyond your reach. Money management is the key, but when it happened in our life we have to face it and deal with it. First you need to earn more money, it could be find another source of consistent income like selling stuff online which is less capital for doing so. There tons of ways to earn money online you could go with one you enjoy the most.