English to French Other Surveying credit habits

Can you help me for the translation of this sentence. This is the introduction to a survey about credit habits.

Extract:
Once in debt, what’s a little more?
How good are you at managing debt.
Most people have taken advantage of credit with every intention of paying it off before interest rates begin eating into their lifestyle.
More often than good intentions go out the window, especially when there’s a holiday on the horizon or a car to support.
Once in debt, what’s a little more?

J'ai pensé à "Une fois que vous avez des dettes, une de plus ou de moins, quelle différence ?"
Mais je ne suis pas certaine. J'aimerais avoir votre avis.

Merci d'avance,

Nathalie