Although you can’t get a bank loan or credit card until you are 18 years old ...
... many young people do get into debt by borrowing money from friends.
If you find you are constantly short of money, or having to borrow money, you need to check your spending. Are there things you could easily do without? By cutting these out you can settle your debts and try to keep a tighter check on your spending.
Several places offer free advice to help with debt problems: