There are things in debt that can’t be calculated. Things like the stress that it puts on people and how it causes ailments. To worry about money is to lose sleep.
Debt can be likened to a snowball. A ball of snow that when rolled down a hill can turn into an avalanche, an avalanche that may become unstoppable. It’s important to get out of this debt as quickly as possible to avoid disaster in the future. By allocating 25% of ones income towards debt can contribute towards eliminating this debt.