Got a full student loan which I start paying back this month but as said its only about £50 per month for me so hardly a big dent.

Apart from that i have £500 on a credit car, £500 in and overdraft both from the student days oh and i owe £1500 on the car still. but Im paying arounf £200 off it all every month and im due a pay rise at some point so ill soon pay it off. Only thing is if I didnt have the car id have it paid off by now as it costs me over £300 a month to pay the tax and in buying bits for it i.e. £200 for my bumper repair this month