The writer has accumulated $25,000 in credit card debt over many years of using credit cards to cope with depression, homesickness, and impulse spending. According to credit card statements, it will take 33 years to pay off all the debt if only making minimum payments. The writer is sorry for being selfish and not considering the future, but is now focused on paying $1,000 per month and reducing the debt to improve their financial situation for their child.