It’s easy to be wary of a thing like debt. The word comes with a lot of negative connotations, so many in fact that most Americans actively try to avoid taking it on. Unfortunately, for the vast majority of people living in the US, it’s just not possible to dodge living with debt. Between student loans and mortgages, there’s not a whole lot in life that you can buy on your own unassisted. Even small items or services, amounting to less than $1,000, may require the large number of Americans who live paycheck to paycheck to contact a lender. …