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Many of us feel bad about our debt. Most of us probably shouldn’t.

Three-quarters of U.S. households owe money, but the vast majority pay their bills on time and have debt loads that are reasonable given their incomes.

But many people still report being embarrassed about owing money. In one study, nearly everyone with debt believed they would be happier without it. Researchers have also found a “strong relationship” between debt and several mental health issues, including depression.

Sometimes, stress and anxiety over debt is perfectly appropriate. If you’re about to lose your home, have more student loan debt than you could pay in a lifetime or are headed to bankruptcy court, some angst is understandable.

In my latest for the Associated Press, how to put aside the shame over your debt and take back control over your finances.