Ключевые слова: bankruptcy, credit card debt, debt consolidation, debt cycle, debt management, debt repayment, debt trap, financial burden, financial challenges, financial crisis, financial difficulties, financial distress, financial hardship, financial instability, financial obligations, financial pressure, financial strain, financial stress, financial struggles, financial trouble, financial troubles, financial worries, german, high interest rates, loan, managing debt, money problems, money trouble, personal finance,