text:  So I have a little bit of debt there, and I'm back in college, so I just don't even know where to start to attack these bills with me already from paycheck to paycheck. Okay, why does a 21-year-old need his mommy to pay his car payment? Because that's his mommy's name, and he's not working yet. Well, he was working, but they just laid him off, so I bought it for him as a graduation gift.