if ur case is true, then is blessed.
why worry on the debt, it always can be done to be solved. only pappies brainwash you to hopeless hell, this world is full of hope, sunshine will appear no matter how bad the storm, key is the determination of endurance, AND with wisdom.
taking public transport is good for u, which mean u don't have added burden for driving a liability (car), 28k is easy to solve, not 28mil. always look at big pic, don't string urself, u wii always in the box. age is just a figure, don't tie or bear by the figure, go strong mate