Personally still owing some debt(that was pretty much wasted since I didn't finish school, my own fault) debt was handed out easily/same with credit cards. I think it's a great opportunity if you use it right(follow through in my case). I didn't understand money though at that time, wasted it/killed my credit score. I was lucky though I have federal loans and they do a pay as you earn type plan where you can pay nothing if you don't make enough granted it still builds interest. Overall my debts aren't bad since I had some grants/went into engineering/physics not a doctor or lawyer. I at least made it into software so if my life continues to pan out I will get out of debt within two years at best.

But yeah, at that time though(in school) I was really scared because I was not doing well in school and I was like "how will I pay this back"...