what would you do if you had so much debt and that your income was not enough to repay your debt installment?
how will you deal with it?
how to solve it?
This is one thing I usually try to avoid too. I hate it when I owe people because it makes me uncomfortable till I pay off that debt. Even if I don't have the money to pay, I always ensure I keep communication pending when I am able to pay off that debt. But it is best to avoid borrowing if you can. It makes you more at peace with yourself.