Debt can make you dizzy, especially if the amount exceeds your financial capacity. If this situation occurs, it will be very heavy to pay off the debt, even if you pay it in installments. If you borrow from your families, you may be able to negotiate to increase the loan period. So what if the accumulated debt comes from loans at the bank? Loans from banks have high interest. It can make you overwhelmed to pay it off. To buy goods or meet other needs with loans is easy, but it can be dangerous. However, these loans can become a burden because of the large interest rates. If the loan is no longer paid or repaid, that's when it's called bad credit.