"At first, it was a casual thing" Father's business failed, Mirei borrowed student loans to go to college. Life became difficult, and she started using cashless credit to supplement her living expenses. Mother's health deteriorated. Misfortune piled up, and eventually, she decided to drop out of university. By the time she started working, it was too late, and her debts were increasing like a snowball. Before she knew it, things had reached a point of no return.
