this is how i found myself in debt i had a liver transplant when i was seventeen i'm 26 now and have a two year old son but when i was about 20 i had about 5 credit cards i was working and paid on them everytime i got paid then i got my first apartment with someone i thought was a good man but i would soon see other wise. i was the only one working paying all the bills and still able to keep up with paying my credit card bills.