Managing your money is not easy!
If you find yourself in debt, get help straight away - it'll just get worse if you ignore it.
Your personal advisor can help you make sense of the debt and give you advice on where to go for help. There are some useful links here
At 18, as an adult you can apply for loans and credit cards dependent on your financial circumstance. You need to be really careful if you are applying for either as you need to ensure you have enough money to pay back the money you borrow and be aware that you will be charged interest for borrowing the money.
Wakefield Council have a scheme for vulnerable people in an emergency or crisis. No money exchanges hands but they may be able to support you. There is a link in useful links
"Just remember that loans come with interest payments." Brendon