But debt is not unavoidable. You do have a choice. You can train yourself to understand the consequences of your choices before too much damage is done, you can learn to manage peer pressure, you can alter your lifestyle in such a way that debt is simply not an option.
Debt was never an option to me. Never. And it still is.
This is about the only good thing which past "ussr regime" has made to my life. The regime, which (in most other terms) has spoiled the first 50% of my life.
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