1. Engagement page: Overindebtedness self-assessment - Elevensigns of overindebtedness Although there are many good uses for credit, it is easy to let your debt get out of control. If excessive personal debts are making repayment difficult or if they are causing financial distress, you are likely to be overindebted. Complete the following self-assessment about your own debt level and financial situation in order to identify signs that you may have too much debt. Note: This problem is ungraded; there are no right or wrong answers. You will be granted a point for any answer you make, but you must answer every question to receive full credit. Overindebtedness - Self-Assessment I do not know exactly how much I owe to my creditors. I often run out of money and use credit for basic expenses, such as food or gasoline. I pay only the minimum amount due on my credit accounts each month. I often reach or exceed the credit limit on my credit cards. I have recently requested a new credit card or an increase in the credit