There's good debt and there's bad debt. We can use it as leverage for investing in real estate or in a business. Once you start earning income from the asset that you created (positive cash flow), you can pay off your loans over time and even make positive returns. Debt tends to have a negative connotation because people get loans to pay for things that do not generate any income such as a house, a car or expenses on credit cards. As long as the use of debt is expected to create future returns, debt doesn't' necessarily have to be bad. It all comes down to whether you use debt for assets or liabilities and where the flow of cash goes.