Don't stress over debt to a faceless entity. Stress causes your body to age double time. Does that payment of double time lower you interest rate? Cut into your balance? No? Then stop spending currency they aren't taking.
Imo if they have no face, they're just make believe anyway. I could care about credit, but I don't think credit will still be around in 7 years, not in any way that would be meaningful to me at least.
I did what both y'all did. I got some undeveloped and bought a van. I buy tools and equipment used and fix it when it breaks. Or if I need or want something else, I make it myself.
I want a tattoo (one of the easier things one could want actually)? I make a tattoo gun, collect some lampblack and mix it into tincture and get going. If you don't know how to do any of that, you are aware of what you are holding in your hands, right?
Buying off Craigslist or marketplace means I pay as little to tax as humanly possible. Starve the beast. Grow your own food. You CAN still grow some spice walls and put em up behind yr windows. Fucking herbs cost a pretty penny. Do all the repairs on your van yourself. The learning is the point, not some resale value (which, if you've learnt well on good enough would prob increase). Self reliance today is rebellion. Independence in punk rock. Gardening is punk rock.
Besides stealth camping that van, you can always park on BLM land or off the side of the road in a national forest, just so you know you have that option. I've found stealth camping is easier street parking suburbia then attempting a business lot. You know your town so you make that call urself. But if the sheriff ges real harrass-y, just haul yr ass-y to Sherwood.
Life adrift in a van is an acquired skill all its own, and let me tell those of ya that don't know, those vanlife influencers on YouTube and tiktok? Yea almost all of them come from money. They've never known a day of actual financial distress in their lives. They can't. If you're able to make a call and get help from family, you don't know life on the outs. Pretending like they built their van off their wage as an orderly is so shameful, we all essentially have a free pot shot to their chin. "Slumming" with the poors for credibility. It's fucking stolen valor, is what it is. They should try stealing some valor in the military, see what that gets em.
It's impossible for a wealthy person to make quality art. Impossible. They are no longer relatable, and no matter how much Tay Tay or Selena might act "Normal", they aren't. They have teams if people who make their decisions for them. Decisions that are focused grouped on how relatable they are. Gross.
Keep on keeping on, my fellows, and for whatever it's worth, their definition of a good life doesn't leave them fulfilled, wise or happy, so what good does holding ourselves to their, basically lazy, measure do us?