history: I am starting a new phase in my life. Completed all debt , new start I am starting a new phase in my life. Completed all debt and off to a new start I can hear the sigh of relief in your voice. I bet your anxious about what the next chapter will be.  yes very. but I know that it will be good.  I can tell your proud of yourself. Im happy for you!
current: Thanks! I hope to learn from my mistake and continue to progress
next: You will be fine! Stay optimistic about it