When you are starting out with little to nothing, you need to realise that the future is not without risk. But one thing for sure is that if you were to get into debt, you certainly have to repay it. Therefore, as far as possible, start with whatever you can without debt. Do your hardest to make that happen. Be full on creative and resourceful. You might probably then realise that with a lot of effort and some smarts, you can be quite a success.