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Congratulations on "getting it" as quickly as you did. There are a lot of people much worse off than you who have been walking a financial tightrope for decades. Imagine the added stress of having to take care of a family, children and planning for retirement. People are VERY unrealistic about how easily one can end up "upside down" in a transaction. Worse yet, bankruptcy is closer than most people want to admit.
Even though this has obviously been a painful lesson for you, I've found that the more painful a lesson is, the more I learn from it and the less likely I am to repeat it.
Keep the course, pay off your debt, and **** credit cards. The only debt really worth getting into is a mortgage or student loan, where at the end of the day, you actually have something to show for it. As you've learned, yesterdays must-have-it-can't-live-without-it toys quickly lose their luster when you're paying interest and fees in order to have them. Kudos bro!
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