In attempts to make it every month and get a car, we turned to loans. The debt has escalated. The car we got is not reliable due to its age and the other car we have we cannot find parts for. We need a car we can rely on so as not to burden family with lifts when the car we share gives problems. As a result of our debts, we are unable to fix and repair issues with our home. We are drowning in our debts. We also have a family member who has battled with debt since they married and have found life truly difficult. We would very much like to help them get out of their dark spot.