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You can't scrape together the $20 minimum credit card payment each month.
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That great outfit you bought last week went out of style exactly three seconds
after you paid for it, and it now lying on your closet floor.
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You're using your credit card for necessities like hair gel and and snacks
because you have no cash.
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You have to avoid your friends at school because you owe them money.
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You've been reduced to begging your parents for chores in order to make money
to pay off your bills.
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You had to pawn your CD player to pay for all those cool CDs you bought last
month.
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Your heart races during the few seconds between the time the cashier swipes
your card and the time your receipt begins to print.
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Your parents give you funny looks when you leave for school wearing a $500
leather jacket, but ask them for lunch money.