Jess Riley has charted her debt repayment journey on TikTok.tiktok/@jess.riley_Micro-trends that circulate on social media can trigger some to make too many online purchases.Buy-now-pay-later can make the true costs of buying items seem lower.These payments add up over time, leading to a debt spiral that's difficult to escape.Buy-now-pay-later services (BNPL), such as Klarna and Affirm, have made it easier than ever to keep up with influencer micro-trends — but young people say such services are increasingly trapping them into a vicious debt cycle.Jess Riley, a 31-year-old content creator who has shared her debt journey on TikTok, said that BNPL, combined with micro-fashion trends, almost led her to financial ruin."I was definitely one of those people that was very susceptible to influencers," she said.