Hi jester,
An hour in the bus with peace of mind while you contemplate the future sounds far superior to 20 minutes on a motorbike worrying frantically over money, feeling shame about debts and mentally adding and subtracting so you can survive the month.
You have shown great bravery in confiding in your friend and have made some really great decisions which will ensure your recovery from this trap.
Well done and I look forward to reading of your continued success.