I got into debt the same as most people in my generation: attending an institution of higher learning to set up a better future for myself. I took out loans and such. I've always been cautious of using credit cards and such.
I currently work at the W.I. Dykes Library at UHD. It pays well enough to where I'm able to afford a place to stay, food, and pay off my debt little-by-little, but at times I see myself struggling with paying bills, especially at the beginning of each month. I'm better off than most others, but still...There's still that constant reminder that with one mis-step, I can be in a tougher spot than I am already.
I would say that my art practice is affected by debt in small ways mostly. I'm not able to put the amount of funds I would like to towards my art.