Why were you pursuing these loans in the first place?
Did you really need to get a car loan or did you just not have the cash to buy the car that you wanted. Could you have bought a little less car, paid cash, and have been payment free? Or could you have stayed in what you had, saved up, and then paid cash.
Same with a home. Did you need to buy a home? Or did you want to buy a home.
My point here isn't to indict your decision making, so please don't take my questioning as a personal attack.
My point is that this idea of borrowing money to make purchases has become so engrained in our thinking that very few people stop and question it.
There are cases where a clear need exists and sometimes the only way is to borrow money. I've been there. But the messages we hear on a daily basis don't talk about borrowing to satisfy needs; rather they serve to support the idea of borrowing to satisfy wants.