DR has two points: 1) Any debt is bad including purchase mortgages and college loans. More sophisticated financial advisers believe some debts are better than

DR has two points: 1) Any debt is bad including purchase mortgages and college loans. More sophisticated financial advisers believe some debts are better than others. 2) DR has a multi-step solution for paying off debts. This I believe is practical because it divides a large problem into more manageable pieces.