I'm guessing OP is either long-gone, whined to support and got his save back, or hitched up his frilly knickers and got back into a Corvette or whatever by now.
But if not and he's still reading (dear god why?) I deleted my save (on purpose) after my first... 30-40 hours of play and started over for realz. Why? Mostly because I didn't like my CMDR name and didn't want to have support change it (they'll only do it once, so not a privilage to waste on a relatively new save) but also because I had learned so much from those hours of play and from finding and reading the forums that I wanted to give myself that chance to do things right. Where I'd gotten in that original stint, I got back to that point and far beyond it in maybe 10 hours of gaming. Then, I took a trip out of the bubble (as every n00b should) and figured out what I wanted to do next.
200 hours of gameplay. That's a pretty good chunk of time. But you're not perma-dead, like some games. You're back in a loaned Sidey, sure. That's TWO lessons learned -- "never fly without rebuy" and "it pays to have a second ship."
I almost had to learn those lessons the hard way, too. I had A-graded my Vulture and I got caught being cocky---I flew into a USS Threat Level 4---and my ship got destroyed by System Glitch. No worries, I thought, I'll just get back to the mission! I happened to glance at my credit balance and realised it was dangerously low! So, I swapped into my MUCH cheaper Viper IV and did some RES High BH until I could afford the rebuy on the Vulture!
Anyway, long-story-short, you haven't lost anything but a cool ship. I've lost more than that in real life and bounced back just fine. You can do it in a game that hands you credits just for playing.
Fly Strong
Maniac o7