In my first year of uni, I managed to stay clear of my overdraft entirely, having saved quite a bit from a summer job. I also had the usual student loans and picked up a part time job.
By the end of my second year, I had started a cycle that would continue for the next 5 years. I would max out my overdraft, pay my wages/loan into that account, enjoy having an actual bank balance for about 5 minutes before I would end up with my overdraft maxed out once again. If i had -£1900 on a £2000 overdraft, I looked at that as having +£100. I had stopped looking at it as a loan and somehow it had become my day to day spending.