Here is some shit to make your blood run cold. I am one of the few people my age who's lucky enough not to have any debt - I went to college on a tuition exchange scholarship because my dad is a professor, I don't own a car, and I've never had a credit card. I live in dirt-ass-cheap Baltimore. I make enough at my job to keep me in beer and CD's and cable. I'm very thankful that I don't have to go through all this debt bullshit, and I know that puts me in the minority. Please, kids, don't go crazy with the credit cards. Don't let a bunch of shitty old people who own companies get all your papers.