If you think the answer is simple, you may not understand the question.
That’s often true in life, but particularly so when we’re talking about debt. Simplistic, one-size-fits-all answers actually suit relatively few real people.
At one extreme are those who curse debt as a four-letter word and vow to avoid it entirely. At the other are those who revel in the notion of using “other people’s money” as much as possible.
In my latest for NerdWallet, how to use debt, rather than be used by it.