The way I look at it is there is a difference between debt and DEBT. I have lines of BS credit that have hurt me more than helped me. I have loans that I am paying way more in the long run than what the original borrowed amount is for. Now if I had mortgage debt, I would be happy with that as I would have the home to show for it. All my debt has accumulated over the last 6 years and while not a tremendous amount and def not s deep as some other people I would rather save that extra $450 +- a month instead of giving it away with nothing to show for it.