The Pay-in-4 to Personal Debt Pipeline

I think it was a week ago when I realized I was at the mercy of monthly payments. I realized I had a money missing from my account and in my panic I began tearing through my online statement. There I saw that there was a charge of $112.01 taken out and sighed and sigh of resigned familiarity. Since February 2023, my roommates and I have been paying back…