20 here. Also paying for it. You do know that having your parents give you the money to "pay" for it yourself doesn't mean you are making the payments, right?
Unless you got a job under your parents or relatives that they give you a shit ton of money, I have a really hard time believing you are paying for it yourself. Did you strike oil or something at age 12? I know it's not that much, but I remember lying about things when I was 16 too. Not saying it's not possible, but it's hard to believe.