Who owes shitloads of money to faceless/superich companies? Who owes loads to relatives? Who owes loads to the man down the street with the dogs and the stick? Anyone for all three?

I'm still paying off my student loan, my dad and my credit card, whilst 'enjoying' a £2,000 overdraft.

Two more years and two of those will be gone. I sometimes wake up in the middle of the night with the fear, so it can't come soon enough...

If you are in debt, does it worry you at all?