Ya know, I was 18 years old....very naive about what I was getting myself into. I knew I had to pay it off...it was how long and how much I would have to pay I didnt know ANYTHING about. I went to college before even having a job. Going to college was the only reason I got a job...my parents were not financially supporting my schooling. Even though my dad told me he would when it was over, he never even asked if I needed it.

My parents NEVER talked about us owning anything in the future....at the time they didnt. Didnt teach me and my brother about credit at ALL.

I left home about 19 and didnt know what it meant to have a bill 'go into collections'...I had to learn this all by myself. Indeed it made me stronger and wiser to have to go through the trials and tribulations...so I can tell others no not go the route I did...

Living cheaply and moderatley is actually the way you are supposed to live, so much of us get caught up on wanting MORE when there is no need for it. I just dont want to live like that for 10 years straight, and miss out on life in my 30's.