Thought about debt has come true

I had a holy shit moment this morning when I realized that my thought that I’ve thought for years, “I will probably have a lot of debt when I get married” has come true in my life. And I think it is this thought that is keeping me stuck not really being able to pay off as much as I want.

I just got engaged 2 weekends ago and I have what I consider to be “a lot” of debt.

I tried to do a model on it but the T ends up in the R line. I don’t know. Can you coach me on this?