"It doesn’t feel good when your net worth is a negative number. But many of these debtors aren’t necessarily doing something wrong. It can make sense to borrow

"It doesn’t feel good when your net worth is a negative number. But many of these debtors aren’t necessarily doing something wrong. It can make sense to borrow when you’re young—to get an education, buy a home, or even sometimes to meet emergency expenses—as long as you’re pretty sure you can pay it off later when you’re earning more money."