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A woman opened up about how she hit rock bottom as she struggled to pay off her crippling debts.
Despite working four jobs, Teryca Brooks-Long said she was up to her neck in it, with debts mounting to over $250,000 (£200,000).
In a last ditch attempt to get out of it, she sought the help of YouTuber and financial whizz Caleb Hammer.
The self-proclaimed 'personal finance nerd' uses his show, Financial Audit, to offer guidance to people struggling with money worries.
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Speaking to him last year, Teryca explained that she was working all the hours God sent as a model and actor, an enrolment advisor, a virtual assistant for a realtor, and also working at an ad agency.
However, even after all that, she's still only coming out with $3,500 a month.
Honing in on her outgoings, Caleb spotted that in just one month she had been hit with 13 overdraft fees.
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And this was before he got to her university fees, which were astronomical.
Teryca's three separate student loans amounted to around $176,000, and when they added on fees and interest to that, the figure rose to an astonishing $250,000.
This means that every month Teryca is having to fork out $1,694 just for her student loan.
Giving her a stark warning, Caleb said: "So, where you're heading, just with the statements that you've provided me, is bankruptcy.
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"But you can't clear this out with bankruptcy. You can't clear out student loans."
He went on: "This is going to absolutely balloon, isn't it? This is going to be half a million before you know it, and then a million."
Resigned to the fact that her finances are set to get worse, Teryca replied: "Probably, within the next two years."
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Caleb warned her that she needs to get a job with a much higher wage or this could just take over her life.
Speaking to Insider about it, he said it was a really sad situation.
Looking back at the interview, Caleb told the outlet: "That really sticks with me. That was a scary one."
"It's going to be a million dollars before she knows it. She's not making progress on it.
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"She got into credit-card debt and car debt as well. So I mean, that is just dire. That's where it gets to the point where it feels like it's impossible to get out of."
Dominic Smithers