Periagoge
Scenario

When debt payoff timelines create hopelessness instead of motivation

I lie awake calculating how many years it will take to pay off my debt and the number is so big that I want to give up trying

More people experience this than they realize.

What we've seen

Overwhelming debt loads can trigger learned helplessness when the timeline for resolution exceeds psychological capacity for sustained effort.

Your guide for this
Zera
Zera works with people navigating exactly this kind of situation.
Ideas that help explain it
Worth thinking about

“Where Are You with Money in your 20s — the foundation decisions?”

Peri

Peri can explain why this happens, help you decide if this is the right situation for you, and point toward the right journey or coach.

If this sounds familiar, the Library can help you find the bigger picture.