I have watched the Money bonus course and I’m still left scratching my head around debt. I know now that debt is neutral but I’m having trouble with models around debt.

Models that came from the course work:

C: Money
T: There’s never enough money to pay off debt and live the life I want
F: Defeated
A: Spend to feel better
R: -$59k in debt

C: Money
T: If I don’t pay this off my BF will not marry me
F: unwanted
A: Spend more to feel better
R: $59K in Debt and growing

Do I keep going through the money course over and over until my thoughts change? I’ve been through countless classes, read countless books and yet every time I turn around my debt grows.
Thank you in advance