I've always been a responsible spender. Youth never clouded my financial judgement. Before starting college, I carefully calculated my budget. I developed a plan that would keep me from falling into debt. The plan worked. Almost.
I forgot to factor in just how difficult maintaining a job would be while in college. Between poor transportation, clinicals, and classroom work, keeping my crappy job was out of the question. I also didn't plan for medical issues to sideline me. During my last term of college, I became ill and could no longer go to school. Medical bills began to mount, as did my college tuition. I looked for ways to earn money online, but my chronic fatigue and pain kept me from doing much more than lying in bed.