Model on debt

Hi, I’ve spent some money on a few courses that will help me create a business. I hate paying interest and having debt. I’ve created the models below. Please provide any feedback. I’m not sure my action and result answers are correct

C- Debt
T- I have too much debt
F- overwhelm
A- Get upset and go into scarcity mindset (Decline thoughts of having leveraged money for future opportunities)
R- Dwell in self-pity and restrict all outgoing cash

C- Debt
T- I leveraged money for future opportunities
F- Driven
A- Focus on available opportunities and create a plan for a business
R- I’m not bothered by having borrowed money for opportunity purposes