How to Deal with the Overwhelm of Large Debt.

Shannon Cairns
3 min readJan 12, 2020

Actionable tasks to help you tackle overwhelm, and create a debt payoff plan that works.

Photo by Alexander Mils on Unsplash

This time last year, my husband and I were drowning in half a million dollars of debt, and headed straight for bankruptcy.

We were completely overwhelmed by our six figure debt, and it was starting to effect everything from our marriage to our mental health.

We are both doctors, and on top of our crippling student loan debt, we also took out several loans to start our own medical practice.

Knowing absolutely nothing about how to run a business, we struggled with budgets, taxes, and practice management.

We were making decent incomes, but still living paycheck to paycheck, and barely able to pay our rent most months!

After suffering from depression, anxiety, and career dissatisfaction, I knew we had to do something, and fast!

We started making small changes, and became less overwhelmed with each step we made in the right direction.

The most difficult part of creating a debt payoff plan, is getting started.

Once we finally had a plan in place, we became hopeful, and motivated for change.



Shannon Cairns

Shannon Cairns is a family finance and frugal living expert, helping women learn to budget and pay off debt at