My anki reviews have compounded into a debt i'll be servicing until i die

skipped four days in june during a holiday. seemed fine at the time - seemed, in fact, healthy.

came back to 900 due.

did 100 of them and felt good. next morning: 340 due, because the 100 i did all came back plus the backlog kept maturing on schedule like it doesn't care about my personal circumstances.

it is now august. i am making minimum payments on a vocabulary loan with a variable interest rate and no repayment date. every day i clear some, every day it regenerates slightly less than i cleared.

i have started to feel about my review queue the way people feel about a mortgage.

does anyone actually recover from review debt, or is the correct move to declare bankruptcy, delete the deck, and start a new one with the shame intact