By slowing down, you've actually stopped sinking. And you've spotted a branch that has a nice sturdy quality to it and is firmly attached to a tree.
Good thing you took the time to find the right branch. Much like taking the time to find the right lender when you're in need of money, finding the right tree branch can keep you from sinking into a metaphorical swamp of debt.
But in this case, it's also a literal swamp of debt, because this is the Bad Credit Bayou.