Im 29 and I spent $20,000 paying of debt, why do I feel like an idiot.

Im 29 and I spent $20,000 paying of debt, why do I feel like an idiot. Basically, in the span of two years I have paid of $8,000 in credit card debt (25% interest rate); $8,000 in private student loans (9% interest rate); and $4,000 on remaining car loan (5% interest rate). I have about $10,000 in emergency savings and my debts are $180,000 in federal student loans (law school - plan there is to enroll in the new S...

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