if i were you i would add up your total bills for the next 8 months b4 u go to uni. compare that too how much money u r going to make (using excel for FREE) and see if this is even possible. I would then set yourself goals to stay on track. e.g. by 3mnths have 30% debt paid off, 6 mnths 70% and 9 mnths 100%. I would keep track of how i am doing and measure against the goals that you set. Also as you go review your bank accounts to see where you are spending additional income that u dont even realize and eliminate this from your spending. Personally I wouldnt worry about ur past and how much you could of had $$$$ wise. I would concentrate on the future and building your future with the woman. good luck
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