This paper discusses the issue of learning in adulthood by those who were indebted during the financial crisis of 2008-2009.The field research was conducted in Iceland, where interviews with indebted Icelanders and migrants chateau sissan 2019 were conducted, along with a broader ethnographic study.The result of the study is a modular pillow stack model of learning based on Peter Jarvis model, but adjusted when it comes to the context of social crisis and the possibility of migration.