Yes, for the most part. Went to university, the education itself is free but I had to take a student loan because government benefits are only enough for paying rent. So I had to take a loan for groceries and other living expenses etc. And I didnt even end up studying at all and dropped out because couldnt find any friends and the major (electrical engineering or whatever it is in English) was too hard for my incel brains and I didnt have any motivation to study. And also I think I have some kind ADHD because it's impossible for me to focus on something I dont find interesting. So that's where around 9k is from
Then I took a student loan in high school too because I couldnt find a summer job and was stupid as fuck, spent it on computer and alcohol and fucking shit like that. So thats like 4k
And I have 2000eurs credit card debt. So yeah.