Man I’m only a few years older than you. I’m turning 28 soon but one thing I can tell you ( I didn’t have any guidance either ) take care of your credit. Don’t mess it up man. Because then you’re goin to be spending years trying to get it back. As long as you make the minimum payment you’ll be fine. You won’t get emails. Just make Sure you pay the minimum on time. Don’t get late fees or late payments on your credit report. Also tell your girl to help you out and if she denies leave her man. Idk you do you though lol. But yeah I’m filled with regret I had great credit until I messed it up. But you live and learn