Fear and intimidation are the tactics used by bill collectors. Don't give them an inch! Get back in control of your life, you are not a second class citizen!

It's amazing when you consider the above statement and try and get a grasp on the two concepts of Young People and Debt? Back in my day being at College or University was all about racing around and being passionate about either Politics, Music, Alcohol and whatever else (or in most cases whoever else) you were passionate about.