Having a great deal of debt can, indeed, be depressing.
Credit card debt is expensive, and it seems to be paid down at a rather slow rate. Because of the high interest charged, if you are only paying the minimum balance, it can take years to pay off your credit card — and you could end up repaying an amount several times what you originally borrowed.
One way to feel as though you are making better progress with paying down your debt is to employ the debt snowball method popularized by Dave Ramsey. The debt snowball is a way of systematically paying down your credit card debt, while remaining enthusiastic about the process.