What are some attitudes toward debt? Going into debt can be a good financial choice / Tom Allen ; Going into debt is a bad financial choice / USA Today (magazine) ; It is possible to live debt free / Leslie E. Royale ; Living debt-free is not always possible / USA Today (magazine) ; Debtors should be more conscientious toward creditors / Michelle Singletary ; Creditors should be more conscientious toward debtors / Brian Alderson -- Do some people struggle to manage debt responsibly? Young people should have credit cards / Jonathan Burton ; Young people should not have credit cards / Carolyn M. Brown ; Class, as well as race, contributes to frivolous spending / Wharton School of the University of Pennsylvania ; Racism is responsible for the minority debt crisis, not excessive spending / David Crockett ; Women are more likely to struggle with finances than men / Sandra Guy ; Men are more likely to struggle with finances than women / Bob Ellis -- Does the U.S. government manage debt responsibly? The U.S. economy is failing because it is debt-based / Steven Lachance ; The U.S. economy is failing because it is credit-based / Andrew Leonard ; The U.S. government should encourage people to take on new debt / Nathalie Martin ; The U.S. government should discourage excessive consumption / Shepherd Bliss ; The United States exploits borrowing by developing countries / Saul Kanowitz ; The United States has become overly indebted by lending money to developing countries / J. R. Dieckmann -- How can debt problems be solved? Declaring bankruptcy can help families start over / Laura Cohn ; Declaring bankruptcy can destroy families / Alison Smith-Squire ; Joining the military is an effective way to pay off student loans / Janet Kidd Stewart ; Military recruiters use loan forgiveness to target students / Ron Jacobs ; Micro-loans can be the solution to developing countries' economies / Mark Skousen ; Micro-loans will hinder developing countries' economies / Josh Kearns.