Comment by giancarlostoro

Honestly for some people, just getting debt paid off might be enough of a life changer, in some cases the debt isn't substantial but the income / debt ratio is just not in the best spot. Heck having one or more less bills to worry about could be a tide changer with immense impact.

I know if I could worry less about my mortgage even for a few months, it would have major impacts on my family's life. I cannot imagine others on similar situations, or with way more debt but the income isn't enough.