Finance payments leech life out of cash flow. It impairs your ability to reinvest.

My recommendation for those new to debt is this: bet on yourself. But if you fail, don't double the stakes. Be patient. You have time.

Realize that you lost, get a job, pay down the (currently manageable debt) you have, and prepare for another at bat.

It sucks. I know. I am currently getting ready for another swing.