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I have always been in debt, since I was about 3 I think! No obviously not at 3 but you know what I mean, debt has been a real issue in my life and I have honestly struggled with it. It started after university when I left with a rather large amount of debt (thank you student loan!). I didn't worry too much about it then as I assumed that everyone was in the same position but of course that was just misguided naivety.