More debt is better when money is cheap, but money is getting more expensive the longer you put off making a decision. But I'm not a financial advisor so don't

More debt is better when money is cheap, but money is getting more expensive the longer you put off making a decision. But I'm not a financial advisor so don't listen to me, I'm just some dude on the internet. Those loans are gone, since interest rates are continuing to climb and that trend will continue for years.