i am only 21 but got myself into debt a few years back, good at the time, not so good now and yea i regret it but im working hard to pay it back doing what i can for what i can... its not always rosey but its the way out...and in a few years im sure it will be alot better than now etc. you need to work for the things you want and my hat goes off to people who do just that and achieve there goals!