您并不需要在一夜之间成为财务专家，毕竟，理解会计和财务决算之间的细微差别是需要长时间研究的事情。

You don't need to become an overnight financial guru, after all, understanding the subtleties of accounting and financial statements can be a lifelong pursuit.

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建议：考虑咨询财务专家，来帮你调整还债计划。

Tips: Consider a financial counseling service to help you reorganize your debt.

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“关键的问题是成本，”一位财务专家说。

"The key issue is costs," said one financial expert.

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