It's been a year since I have had any line of credit balance. Life feels way better, lighter, I went from 18-23 always in debt. Not that it was all that poor debt, I bought a house on student loans, went to 2 years of school, dated and married a girl (from a different town gas $$$) and a lot more. I defenetly was not efficient with my money but am getting there. Right now we vary between 40-50 percent savings rate.