I remember the first time I opened a credit card. I was 19 years old and had already been living on my own for over a year. It was a $300 limit with about 29% interest, which seems insane today! I didn't know way back then that learning how to get out of debt would become such a huge part of my life.Five or so years later, I would be drowning in around $13,000 worth of credit card debt, borrowing money to keep my car, and feeling like an absolute failure! Fortunately, by 2015, I would be making the payment…