I am a 23 yo old student from Toronto. I have a debt of over $15000. I am worried about the effect it will have on my future. I am struggling to stay afloat. I can't afford rent most of the time, can barely afford utilities, and I'm making little to no progress paying any of this off. My friend suggested going for a bankruptcy proposal as I will have some money leftover instead of half going to essentials and the other half going to pay down debt. Is it okay to file a bankruptcy proposal at this young age? Does it seem like the best thing to do at this point? Has anyone done this before?