conv: I am starting a new phase in my life. Completed all debt _comma_ 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! Thanks! I hope to learn from my mistake and continue to progress You will be fine! Stay optimistic about it I try to be. it can be difficult on some days_comma_ but I think I have a good attitude towards most things I agree_comma_ but having great joy in life helps