Not all debt is bad. Some debt probably can't be avoided. Also, utilizing some debt establishes a credit rating which is necessary these days.
Using credit card debt is not necessarily bad. If you use them responsibly, (by having a plan to either pay it off entirely each month, or, have a plan to pay off in a reasonable amount of time to minimize finance charges) they might be a good use of funds.
Also, buying a vehicle or home might only be achievable by taking out debt. Not that many people can pay cash for vehicle(s) and/or homes.
**Disclaimer: Effort has been made to offer correct information; but due to the discussion forum limitations, the poster disclaims any legal responsibility for the accuracy of the poster's response**
