Today I mailed off a check that covered the last of my debt, and I am now 100% free after seven plus years! Oh the glory! The pain and suffering is over!
Congratulations. I was bitten by the credit card bug in high school and now, at age 32, I'm still digging my way out of the hole. More power to you.
In my case, I married a crazy woman who liked to live beyond our means. Unfortuntately, when I left her, the debt stuck with me, since it was in my name (she had no credit, due to a then-recent bankruptcy). I managed to pass very little of the debt on to her. It didn't help that she was a lawyer, and had quite a number of lawyer friends.
Especially for people who aren't living on their own yet, I highly highly recommend reading:
Lol, I've already seen that. It was really funny at the time, becuase I had a class last year that was really small, like 7 kids(several people dropped the class)and it was all guys. The teacher would let us do just about anything, and one kid kept always bringing in stuff like that.