"I am a civil servant on Grade Level 12 salary but I use 70 of my earnings to service debts from bank loans. How can I get out?"
The above request was from a reader who has a Masters Degree in Accounting and has recently commenced a doctorate programme. Though well educated, he has joined many Nigerians who had fallen into the trap of debt. People fall into the trap of debt due to various reasons some of which include indiscipline, greed and ignorance.