that tracks as I graduate 4 years earlier. Also the military was a no go for me. I was well aware its essentially signing up to kill anyone you are told to kill when they choose to tell you to. I get in most cases you can get by without that happening but I was not cool with that. My debt was an auto loan. Granted for like a tricked out luxury suv. But still an auto loan. Somewhere after your point it was becoming a mortgage. I have a brother 5 years older whos loans where like a regular car loan and one 5 years older still who could pay his bill with a really good summer job or at least come out with loans equivalent to letting your credit card spending get a bit out of control. I kinda kick myself for not going to community college for two or three years and reducing my debt by almost half.