(Truly, we do not need to be alone, or give up. I have been thru many things that ... leave me grateful now. So I hope this can be useful to someone....)
There are people who can help, with guidance, and in other ways. One list (many resources): http://lukecall.net/e-9223372036854601245.html . Another (having the Church as help in life): http://lukecall.net/e-9223372036854581807.html . Another: extended family. Another (general life lessons and resources found, including overcoming addictions, but much more): http://lukecall.net/e-9223372036854592298.html . Another (pray): http://lukecall.net/e-9223372036854585359.html . I have learned by long and much-repeated personal experience (the easy way and the hard way) that prayer makes a huge difference, if we are willing to do our part and be obedient to God when we know what we should be doing: http://lukecall.net/e-9223372036854580889.html . And how I learned that: http://lukecall.net/e-9223372036854587400.html . More resources (better than the above stuff): https://providentliving.churchofjesuschrist.org/?lang=eng
Wishing the best for everyone in tough circumstances (which seems to be all of us at one time or another)!
(edits: minor fixes, add the providentliving.org url.)
At some point they just lost hope. I can't blame them for racking up debt if the system lets them continue. It sounds better to continually pay off debt and enjoy life instead of to continually pay off debt and not enjoy it.