Credit: In this June 20, 2019, photo a Virginia Commonwealth University student walks past the library at the school in Richmond, Va. Some debts that bring the promise of opportunity, like student loans or mortgages, might seem “good,” but that's not always the case. And having credit card debt isn't always bad. What makes debt “good” or “bad” depends on how it fits into your overall financial picture. Here’s how to tell and ways to manage your debt. (AP Photo/Steve Helber)

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