I have over $ 15,000 in student loans and another $ 6,000 debt credit card. (From the purchase of books of more than $ 500 per semester, two major car repairs at $ 1,000, and other purchases such as gas and other things.) So basically, I am near $ 22 000 in debt. I only use credit cards and only rarely, when I for things related to school (not like TV, video games, or holiday) benötigen.Wie doubtful that I am? I am 22 years old, just graduated from college and I’m ruined for the time a local police Akademie.Ist my financial records?