"The world is full of magic, you just have to believe in it."
When something is important enough, you do it even if the odds are not in your favor.
Never use a credit card for credit. The only kind of credit, or debt, that is acceptable is debt to acquire something whose exchange value is extremely likely to increase, like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.