Almost everyone who has debt think about it frequently. In fact, debt is blamed for millions of days off work every year, and general feeling of sickness for many others.
These are many symptoms of stress that can manifest itself in your life. It can manifest itself as headaches, inability to sleep, feeling depressed and irritable, with an inability to concentrate on what you are doing. Check with yourself if these symptoms are cause by excessive debt. If you are thinking about it constantly, then it is a problem.