Everyone has their own story... good or bad time are part of your memories and part of your life... think again / disgest and recall your memories must be a funny thing to do when we are getting older and older.
I don't think I can count it,my first time was 1965,I was 14 ,lost virgin at "wanchai jafei road"at that time only $9.oo hkd ,
now I still play in china every week if I am in HK. :u ...
debt can be repaid one day at last... do not worry. sure you will be ok. the matter is you are not run away and face your own problems. Be a responsible guy means more than money.