'I never thought I'd be alive to pay back my huge debt' Chris Lynch, 41, was a hard-drinking student when his debts began to build up and his life started to spiral out of control.
At one point he was was £35,000 in debt - and that's when anxiety and depression took hold.
"I didn't think I'd be alive long enough to pay if off. I could easily have ended up homeless or ending my life," he says.
The charity Mental Health UK says Chris's experience is not unusual - up to four million people could be at risk of poor mental health brought on by money problems. BBC News