There is such a thing as "good debt" versus "bad debt." Good debt is when you’ve purchased something that will outlive the life of the debt such as a home, car or education. Bad debt is the opposite – credit card debt falls in this category, since it is assumed that by the time you pay off the balance, the stuff you purchased will be worthless. Think of it this way: good debt moves you forward, and bad debt holds you back.
Try to get rid of "bad debt"