 There is no reason for a 20-year-old guy or gal to have debt. What do you have debt for? You're living in an apartment. The only debt you might have is you might have a car and a car payment, but that's not something you're going to have a repayment plan for. You've just flat got a car payment. You're going to have a car payment probably for the rest of your life until you become financially free and become rich.