...things you couldn't have cuz you were holding so tight to what you had. I am truly happy for you TMW, but please make sure your happiness is coming from with in you and not dependent on an outside source (boyfriend, job, house, whatever).
as for the debt... I highly recommend Dave Ramsey's Financial Peace... check it out. I wish I had heard of him when I was your age
Me 54 DS19 and DS17 Married 06/1989 Divorced 01/2011