Living life in debts is not an acceptable lifestyle no matter what banks and credit institutions say. It is also very difficult to ignore their enticing promises of what you stand to gain by purchasing their debt products especially when you have unsolved financial challenges starring you straight in the face.
This is avoidable no matter what point your are at right now. It may not look possible at the point where you might presently be at financially but it really is do-able, I promise you.