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Maybe Ace means that debt is like forced savings that can be reborrowed. Hmm you do have a situation. Do you have a loan? Or several? It would be good to fix some and pay off one. And no credit card. Pay it down and get rid of it. This is the first time I've seen datto being serious. You...

Work with who you are. I love your honesty. Fix your loan. Get your bill payments deducted monthly. Cut up the credit card. (Very satisfying). Get a partner who CAN do the money thing. Be happy. If you change, good. If not, no worries.