 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