{"id":22181,"date":"2025-11-13T17:55:50","date_gmt":"2025-11-13T17:55:50","guid":{"rendered":"https:\/\/incredipros.com\/?p=22181"},"modified":"2025-11-13T17:55:51","modified_gmt":"2025-11-13T17:55:51","slug":"debt-isnt-always-negative-good-vs-bad-debt","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22181","title":{"rendered":"Debt Isn\u2019t Always Negative: Good Vs. Bad Debt"},"content":{"rendered":"<div>\n<p>Debt is often discussed in negative terms, but debt isn\u2019t just good or bad. It falls on a spectrum, and how you manage it plays a big role in how it impacts your finances.\u00a0<\/p>\n<p>Bad debt is usually high-interest credit cards that quickly accrue interest if you only make minimum payments. Good debt, such as a mortgage or student loan, can help you build long-term value and typically comes with much lower interest rates. Once you\u2019ve paid off good debt, you often have an appreciating asset \u2014 your house or your college degree, for example.<\/p>\n<h2 id=\"what\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is debt?\" data-outcome=\"\">What is debt?<\/h2>\n<p>Debt is money that is borrowed from an organization like a bank, credit union or online lender. Most debt is paid back with interest, which can be either fixed or variable. With either option, it is calculated based on the principal and is calculated at the end of a compounding period. A compounding period can be quarterly, monthly or even daily, which is the case with credit card interest.<\/p>\n<h3>Good debt<\/h3>\n<p>Good debt, which typically carries lower interest rates, is debt used to finance an expense or asset that has the potential to generate future income or financial growth.\u00a0<\/p>\n<p>For example, mortgages and home equity loans can be used to purchase or renovate a house, which might appreciate in value. Student loans are also generally considered good debt because college degrees tend to lead to higher-paying jobs.\u00a0<\/p>\n<p>When looking at good debt, the interest should be low \u2014 generally under 10% \u2014 and the asset or expense you\u2019re purchasing should be part of your long-term financial future.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-examples-of-good-debt', 'heading-examples-of-good-debt']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-examples-of-good-debt')\" :aria-controls=\"$id('panel-examples-of-good-debt')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h4 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Examples of good debt<br \/>\n    <\/h4>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-examples-of-good-debt')\" :aria-labelledby=\"$id('heading-examples-of-good-debt')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>Mortgages<\/li>\n<li>Home equity loans<\/li>\n<li>Student loans<\/li>\n<li>Business loans<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Bad debt<\/h3>\n<p>Bad debt, which typically carries higher interest rates, is debt used to pay for depreciating assets or one-time expenses that don\u2019t provide long-term financial value.\u00a0<\/p>\n<p>For example, financing a vacation with a credit card is generally considered a poor financial decision. Because current credit card interest rates are over 20%, you\u2019ll end up paying hundreds of dollars in interest unless you zero out your balance before the end of your billing cycle. If you opt for minimum payments, debt can quickly grow out of control.<\/p>\n<p>Payday loans \u2014 and some bad credit personal loans \u2014 are bad debt depending on what you use the money for. It\u2019s possible that an emergency loan may be necessary, but you\u2019ll wind up paying a significant amount of interest over the life of the loan.\u00a0<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-examples-of-bad-debt', 'heading-examples-of-bad-debt']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-examples-of-bad-debt')\" :aria-controls=\"$id('panel-examples-of-bad-debt')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h4 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Examples of bad debt<br \/>\n    <\/h4>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-examples-of-bad-debt')\" :aria-labelledby=\"$id('heading-examples-of-bad-debt')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>Credit cards<\/li>\n<li>Payday loans<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Neutral debt<\/h3>\n<p>Depending on how debt is used and how quickly you\u2019re able to repay it, some bad debt can be neutral under the right circumstances. Credit cards won\u2019t accrue any interest when the balance is paid in full each month. Similarly, auto loans finance a depreciating asset \u2014 but because of their low interest rates, they can still be a good way to get a car that you might otherwise not be able to afford.<\/p>\n<p>Good debt can also be neutral. For example, a home improvement loan can be used to finance a renovation to your home, but the return on your investment will likely be lower than the actual cost of the loan. You\u2019ll be in the red, but the expense will be worth the result.\u00a0<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-examples-of-neutral-debt', 'heading-examples-of-neutral-debt']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-examples-of-neutral-debt')\" :aria-controls=\"$id('panel-examples-of-neutral-debt')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h4 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Examples of neutral debt<br \/>\n    <\/h4>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-examples-of-neutral-debt')\" :aria-labelledby=\"$id('heading-examples-of-neutral-debt')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>Car loans<\/li>\n<li>Personal loans<\/li>\n<li>Medical debt<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"how\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to spot the difference between good debt vs. bad debt\" data-outcome=\"\">How to spot the difference between good debt vs. bad debt<\/h2>\n<p>Although we\u2019ve defined what\u2019s typically considered good debt and bad debt, at the end of the day, that distinction depends on the person.<\/p>\n<p>Short-term, high-interest debt might not be considered bad debt to someone who had no choice but to put that expense on a credit card. Similarly, student loan debt, though considered a good debt because of the long-term financial return, can lead to overwhelming repayments for many people.\u00a0<\/p>\n<p>However you define good debt or bad debt, always consider your larger financial picture before taking out a loan of any type, especially a payday loan or cash advance on your credit card. If you can\u2019t afford to make payments or don\u2019t have a plan to pay off your debt, even good debt can cause significant problems.\u00a0<\/p>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Deciding which debt is good or bad for you depends on your goals and repayment strategy. Whichever type of debt you decide to \u2014 or have to \u2014 take on, consider your financial situation first. All debt incurs interest at some point, so it\u2019s best to pay off any debt as soon as your budget allows.<\/p>\n<p>If you\u2019ve taken on more debt than you can handle, look into options that fall under the debt relief umbrella. Credit counseling, debt consolidation and debt settlement are all ways to manage bad debt. It may not be easy, but it can help you learn how to better manage your debt and anticipate potential drawbacks.\u00a0<\/p>\n<h2 id=\"faq\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-is-all-debt-bad', 'heading-is-all-debt-bad']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-all-debt-bad')\" :aria-controls=\"$id('panel-is-all-debt-bad')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is all debt bad?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-all-debt-bad')\" :aria-labelledby=\"$id('heading-is-all-debt-bad')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            No, not all debt is bad. The final determination of whether a certain type of debt is good, bad or neutral ultimately depends on the person taking on the debt.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-good-debt-ever-be-bad', 'heading-can-good-debt-ever-be-bad']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-good-debt-ever-be-bad')\" :aria-controls=\"$id('panel-can-good-debt-ever-be-bad')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can good debt ever be bad?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-good-debt-ever-be-bad')\" :aria-labelledby=\"$id('heading-can-good-debt-ever-be-bad')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Yes, good debt can be difficult to manage in the wrong situation. For example, student loans can take years to pay off and could be considered bad debt for someone who is struggling to make payments. A mortgage that cannot be supported by your income is also an example of bad debt. Any debt that you cannot pay down or make timely payments on is a bad debt.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-should-i-pay-off-bad-debt-first', 'heading-should-i-pay-off-bad-debt-first']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-should-i-pay-off-bad-debt-first')\" :aria-controls=\"$id('panel-should-i-pay-off-bad-debt-first')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Should I pay off bad debt first?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-should-i-pay-off-bad-debt-first')\" :aria-labelledby=\"$id('heading-should-i-pay-off-bad-debt-first')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            You should focus on a repayment strategy that fits your budget and goals, but the rule of thumb is to focus on high-interest debt first. The longer you take to pay off high-interest debt, the more you\u2019ll pay overall.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-much-debt-is-too-much', 'heading-how-much-debt-is-too-much']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-much-debt-is-too-much')\" :aria-controls=\"$id('panel-how-much-debt-is-too-much')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How much debt is too much?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-much-debt-is-too-much')\" :aria-labelledby=\"$id('heading-how-much-debt-is-too-much')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            It depends on your financial situation and your goals. If you are unable to make minimum debt payments on time in addition to your other monthly expenses, you likely have too much debt. If you find yourself in this situation, you may want to consider\u00a0debt consolidation\u00a0or other debt payoff strategy to get you back to where you need to be.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3\/>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"IdKZrkRmCg\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debt is often discussed in negative terms, but debt isn\u2019t just good or bad. It falls on a spectrum, and how you manage it plays a big role in how it impacts your finances.\u00a0 Bad debt is usually high-interest credit cards that quickly accrue interest if you only make minimum payments. Good debt, such as<\/p>\n","protected":false},"author":1,"featured_media":22182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22181","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Debt Isn\u2019t Always Negative: Good Vs. Bad Debt | IncrediPros<\/title>\n<meta name=\"description\" content=\"Debt is often discussed in negative terms, but debt isn\u2019t just good or bad. 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