 Well, what about the kind of debt that can wipe out your savings? What about the kind of debt that can set you back years, if not permanently? Do you want to avoid that kind of debt? Probably. If you're a fiscally responsible person, you should be able to find a little time in your day to give the mortgage consultants over at American Financing a quick call. See if you can deal with this stuff. They're going to go over your finances. They'll help you look through all this. They'll see if there's some areas that can be improved. For instance, your mortgage can really be made to work for you.