24 and I have no credit card debt as i prepay for everything i buy online. Have a skyline and a 1989 240sx paid off. Versa took out a loan so i owe 17 on it. And I am buying a house so after my 20 down payment i should owe 330 on it. Luckilly I worked my ass off while I was in school so i don't have any school loans.
Oh and I made the mistake of getting one of those don't pay for 6 month credit cards and didn't pay for 6 months lol....lets just say its like 25% interest a month doooooo not ever buy on that shit!! save until you have the money or read the contract haha
lesson learned the hard way