Starting life off with debt can be daunting, but it's important to remember that you're not alone. There are many people who have been in your shoes and have successfully managed their debt. With a little bit of effort and determination, you can too. The most important thing is to avoid bad financial habits, push past obstacles, and find what works for you. There is no one-size-fits-all solution to financial problems, so don't be afraid to explore different options and ask for help.