[Mintz]

I'm afraid of not having enough money in my savings account should I need to use it. I'm a college student with a part time job, and I have some money in savings, but if my car's transmission went out, I'm hosed. I have no idea how I would fix my car and keep paying for rent/utilities/food without going into debt.

I guess you could say I'm afraid of going into debt and not being able to get out of it because of circumstances just out of my control.