Debt, when it's manageable, when it's planned and when you can service it, can be a useful tool in life. But when the demands for payment start to exceed your ability to meet them, things go south pretty quickly. In 2020 a lot of people will have ramped up debt, incomes suddenly down sharply, but outgoings no different. How do you get out of a hole than can quickly be tens of thousands of dollars deep? Auckland woman Sandra has been there. And with help, not a Lotto win or a handout, she got free. She's bravely agreed to tell us her story. LISTEN ABOVE