I paid off my own debt, I'm 22 now and the debt was around 3k which compared to student loan debts (I have none) isn't a lot but the money owed was to some people I no longer want to be around with and a telco company
People who in the grand scheme of things pretended to be friends with me to try financially abuse me and made it so that it would hard for me to hold down a job to repay them because they would phone into my workplace and make up stories to get my workplace to fire me. You have to be some kind of asshole to force a man with his entire leg in a cast to work to "repay" you back money which you said didn't need to be paid back
The other one is a phone contract which my parents told me was the only way to get a phone, I couldn't keep up with the monthly payments which is around 200 dollars for 2 years and with those assholes sabotaging me, it didn't work out and I ended up in debt but I had just paid it all off last week and I'm slowly rebuilding my life
Edit: I had paid off those "friends" last year and I had only paid off the phone debt last week