Even if you think you don’t have enough assets to write a will, be sure that you have chosen beneficiaries for your retirement accounts and insurance policies. When someone dies, accounts with designated beneficiaries go straight to those people, bypassing your estate. So your chosen loved ones could receive the value from those accounts, even if you have credit card/student loan debt which would be paid from your estate.
Consider this a reminder to check those beneficiaries when you experience big life changes — death of family members, marriage, divorce, etc. Your will does not determine where those accounts go and you don’t want them to go to someone who is no longer part of your life, or even just to go to your parents rather than your spouse, etc.