I came here to post another story but then you reminded me that my student loans are fucking me in the ass. Now I'm depresssdI'm worried about the fact that my degree is useless and I've had to seek training in another field just to find a job. I hadn't even thought about my credit score. Shit.
They start stopping around 40 because you have learned enough at that point to mostly avoid it.I don't know how you can really live without some close calls. They happen every 7-10 years from what I can tell. Each time it happens you handle it better than the previous one.