@theloniusmonk Not entirely. Most students I work with can’t afford college without basic loans from the gov’t. Those generally turn out fine for students. Leveraged debt can be a great thing (properties, etc, too). The key is learning what the real cost is to be able to figure out if the loan is a good one or not. Being 100% anti-debt is often not helpful for moving up in the world economically. It’s better than high debt (esp for toys), no doubt, but the best odds are often somewhere in the middle.