Debt


I’m trying to figure out a model around my debt.
It’s $135 K to be exact.
I know the circumstance is the amount.
But here’s the deal. I know I need to be in scholars and I used my credit card to pay for it. I now feel stupid for doing it.
I also want to pay this debt off and I have ideas but seem to always fall back in debt. Where do I begin with the model?