I've been on at least part of that path too - I over spent, took out student loans - got credit cards and max them out - my theory being I was not going to be around long enough to have to ever worry about paying them back (truly felt I would never live past my 20's - just had that stuck in my head) now in my 40's I feel foolish and regret all that behavior - but I did get back on the road - have paid all the debt and loans I owed and while it was not easy - i did manage to get through it .
I also was not taught how to have use money wisely or what it meant when I signed all those papers
sorry you are in the same mess I was in - Good luck!