* It's beta, not a finished game, things like that are expected to happen
* Risc vs reward: Fly only what you can afford to lose, keep enough for the ships insurance
I'm guessing you slammed into the station because you were late exiting Supercruise to get as near as possible to it? Unfortunately this is what can happen, or worse you end up inside the station. Exit Supercruise as soon as you get the message that it is safe to do so to avoid this happening. OK it will then take a few minutes more to reach the station from 20K out, but will save time in the long run! Good Luck getting back into the money by following some of the excellent advice in this thread.