Borrowing money is easy but repaying it is difficult. Making a right choice always matters. When it comes to students they take loan for their education, before repaying that, they again take up loan for higher education, which increases their debt to a very large extent. Before they even get into a firm they are in full debt. To come out of debt you should stop borrowing money and make changes to your lifestyle that is affordable. You can get more information about debt spiral if you search the internet.