I don't mean a mortgage or a loan for a car, but rather a personal loan that you took out to pay for rent, food, etc. I made the mistake of doing this a few times when I was in my early 20's, both my wife and I had spending issues and we were spending more than we were making. This cause us to get behind on rent and our bills, to which we started taking out a few loans to help pay for things. I really wish our parents taught us better on how we should be saving up and not getting loans out. We know better know that we are in our early 30's, but it's something young adults really need to learn and understand better.