There is reason to argue that having no debt is better than having a lot of debt. However, many people can only afford to buy important items like a house by borrowing money and going into debt. While these types of loans are normally justifiable and provide value to the borrower, there is another end of the spectrum when debt is incurred irresponsibly. While it is simple to distinguish between these two extremes, it is more difficult to judge other debts.
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