I had a little over 20.000 euro debt after education, my parents died young so I had to pay most things myself.
It took me 10 years to pay most of it off so far, I still have about 6500 euro to go and hope to repay that in the next 2 years.
But debt breaks you since its hard to loan for a house and even during screening for police and military they don't like debts because they think you can be easely convinced to leak sensative information for money.
Living with a debt is dangerous, for everyone because life, work, health its not sure at all but you having to pay debt each month is something that will not change easely.
Twitter @CyberMalistix