Yep, I really own my bank this amount of money. I had never had any loans before and I hated borrowing any money. Also I have felt ashamed saying something like: 'I don't have money for this'. So few month ago I decided to start a radical therapy from my fears and start spending money on whatever I want right this one second: new phone, clothes, food, traveling, ✱✱✱✱.... eh, too much stuff to continue) Now I don't feel any shame talking about money and I do not have any regrets but I believe that you must pay your loans and I am going to do it too