I definitely understand. I'm always stressed out about money. Last year I racked up 4,000 in credit cards because I would take cash advances to buy drugs and alcohol. Now no matter what I do I can't manage to catch up. I used to hide from the problem and not answer the phone when creditors called. Recently though I've confronted it and things are getting better. I ended up calling all my creditors and explaining that I'm a college student who got way over my head and now I just want to deal with it as responsibly as possible. Usually they'll work with you. I definitely understand about being angry.....I could kick myself a million times for being so reckless. You're right though...things will work out. Good luck with everything!!