Great feeling, ain't it? Sadly, the financial industry in this country want to start off people thinking it's ok to be in debt; that it's a normal thing, and as young as possible. Debt isn't something to be ashamed of, but neither should it be something to be normalized. Their business models would have you making payments for the rest of your life. Then again. maybe if there was some shame connected to debt, people might feel more obligated to pay it back...
And credit scores? No one commercial company should be allowed to possess so much information about someone that it makes that information valuable enough to steal and potentially ruin someone's life with, with seemingly little punishment when such a theft occurs.