Don't let debt keep you down...
Carrying excessive debt can be detrimental to your future. What if you have so much credit card or student loan debt that you can't afford to live on your own? The higher your debt, the less money (and the less freedom) you have to live the enjoyable, authentic life you want.
More debt = less fun
More money spent paying back debt means less money for rent, food, 401K and fun! With too many loans to repay, fun simply gets pushed off the budget.
In addition to keeping debt low, having good credit will be a huge benefit to your financial future.