Don't know if it's Dick Jauron or Steve Fairchild but there was two huge playcalls that lost us the game.
1) At the end of the 1st half when they threw an incomplete pass to stop the clock leaving a minute on the clock before kicking the FG. They should have run it and drained another 43 seconds off the clock. result is Vince Young gets a TD.
2) That putrid playcall at the end of the game. You kick the FG whether it's tough or not. The playoffs were on the line. That throw cplaycall was the stupidest of the year.
This is not the first boned headed playcalling game by Steve Fairchild. Fire Steve Fairchild and keep the playbook. We need someone who is smarter that a brick to make the playcalls. He is a Mularky clone.
The only change they need is to shorten the season by 4 months. Playing the Stanley Cup in the summer is retarted. There should still be snow on the ground when playing for Lord Stanley's Cup !
To answer your original question. Yes you can dig yourself out of debt. When you figure out what you want to do go back to school and get a degree. Until then keep working and paying it down.