Loans - Good or Bad Debt?

When borrowing money it is usually because we lack the cash to make a large purchase, such as for a car, home or education. However, an important question to ask yourself when borrowing is if the purchase you would like to make is creating good debt or bad debt.

Good debt is considered borrowing for something that will go up in value over time. For example, real estate, a business or for education purposes. Education loans can be considered good debt because it should increase your income.

Bad debt is debt used to fund something that doesn't hold its value. Some examples would be car loans, personal loans for vacations and use of credit cards for consumable products.

Additionally, loans for bad debt are not generally good for your financial well-being because they usually have higher interest rates and are not tax deductible. Good debt loans on the other hand are frequently tax deductible and carry lower interest rates.

Ideally having no bad debt is the best. However, in some cases a certain amount of bad debt may be ok and unavoidable.

Some financial professionals claim that it is acceptable for 10-20% of your annual income to consist of loans for bad debt. But, going over 25% is getting into a danger zone that may be difficult to get out of. Once you get into this high debt range, the amount of interest paid becomes so high that it results in a cycle that cannot be reversed.

So, just remember to take into consideration the type of debt (good or bad) you are incurring prior to getting a loan. This advice can go a long way toward helping you be a financially savvy borrower.

Jill Kane helps you find loans for all of your financial needs at Low Rate Loans

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Countrywide loans to be modified - Arizona Republic

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/0i-0fd=Rurl=http://www.boston.com/business/articles/2008/10/07/countrywide_reaches_84b_fraud_settlement_with_11_statescid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNHab-Hy2D2N0T802XaxoOZriXy42Qimg src=http://news.google.com/news?imgefp=dUjOK9GDjb0Jimgurl=cache.boston.com/resize/bonzai-fba/Globe_Photo/2008/10/06/1223342238_6527/539w.jpg width=80 height=40 alt= border=1brfont size=-2Boston Globe/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/0-0fd=Rurl=http://www.azcentral.com/arizonarepublic/business/articles/2008/10/07/20081007biz-countrywide1007.htmlcid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNHSOIr7X5rU-pe8H-khuhbH4FdBzwCountrywide bloans/b to be modified/abrfont size=-1font color=#6f6f6fArizona Republic,nbsp;AZnbsp;-/font nobr16 hours ago/nobr/fontbrfont size=-1Borrowers with subprime and other adjustable-rate bloans/b will be eligible for significant loan modifications beginning in December, Arizona Attorney General b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/0-1fd=Rurl=http://www.reuters.com/article/regulatoryNewsFinancialServicesAndRealEstate/idUSBNG28749420081006cid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFeRc9lPXe6EC3-1MrKL64pkRL1hwBofA in $8.6 bln settlement over Countrywide bloans/b/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/0-2fd=Rurl=http://www.forbes.com/finance/2008/10/06/bank-america-countrywide-pf-ii-in_pr_1006dividend_inl.htmlcid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFIDbGmBpQ64Y_8e5AdTExCa7tlAQCountrywide bLoans/b Bite BAC Again/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/0-3fd=Rurl=http://www.suntimes.com/business/1205640,CST-FIN-countrywide07.articlecid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNELcWxdiMYL1uRdkwx8l1hVnIfU0gMortgage relief deal/a font size=-1 color=#6f6f6fnobrChicago Sun-Times/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/0-4fd=Rurl=http://www.sfgate.com/cgi-bin/article.cgi%3Ffile%3D/c/a/2008/10/07/MN8B13CBE4.DTLcid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNEkcaQUxDfclc_SJTENfQG2EaoFZAnobrSan Francisco Chronicle/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/0-5fd=Rurl=http://www.mercurynews.com/news/ci_10654181cid=1254649040ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFXrE0IBbXxfdq8wsnKxaguIqRergnobrSan Jose Mercury News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254649040hl=ennobrall 1,285 news articles/nobr/a/font/div/font/td/tr/table

Libor for Overnight Dollar Loans Jumps as Credit Freeze Deepens - Bloomberg

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Schumer asks feds to include student loans in bailout - Newsday

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/2i-0fd=Rurl=http://news10now.com/content/politics/125547/schumer-calls-for-student-loan-programs-protections/Default.aspxcid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFXKXt0B6qNSHhSkh0fEGKrW4udIQimg src=http://news.google.com/news?imgefp=Mgwx4TzLQcUJimgurl=images.news10now.com/media/2008/10/7/images/01chcuk.jpg width=80 height=60 alt= border=1brfont size=-2News 10 Now/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/2-0fd=Rurl=http://www.newsday.com/services/newspaper/printedition/tuesday/business/ny-bzloan075873054oct07,0,5924441.storycid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNHqPx__Fy_2ZdQLZVEsWNQSHlwFQQSchumer asks feds to include student bloans/b in bailout/abrfont size=-1font color=#6f6f6fNewsday,nbsp;NYnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1In recent months, more than 50 lenders have either suspended new government-backed student bloans/b, left the program altogether or begun raising interest b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/2-1fd=Rurl=http://www.1010wins.com/Schumer-Wants-Student-Loan-Market-to-Be-Protected/3091042cid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNEQ84x_zHjDnUd0RPL1BjxorXakcwSchumer Wants Student Loan Market to Be Protected/a font size=-1 color=#6f6f6fnobr1010 Wins/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/2-2fd=Rurl=http://www.wten.com/Global/story.asp%3FS%3D9132724cid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNEubVAh6mKdcyzu1V_26gcwHYRivwSen. Schumer Asks Fed for Student Loan Protection/a font size=-1 color=#6f6f6fnobrWTEN/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/2-3fd=Rurl=http://www.businessweek.com/ap/financialnews/D93L6LC00.htmcid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNHJRm4ZSI5dvwpL-_E49gPQxWv5UwSchumer wants student loan market to be protected/a font size=-1 color=#6f6f6fnobrBusinessWeek/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/2-4fd=Rurl=http://capitalnews9.com/content/politics/125547/schumer-calls-for-student-loan-programs-protections/Default.aspxcid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNETXneWF91WPgzjjUJiErFeBu_8HQnobrCapital News 9/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/2-5fd=Rurl=http://www.ny1.com/content/news_beats/education/86824/schumer-takes-steps-to-protect-college-students/Default.aspxcid=1254932319ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNE736RRd-sXHJzl3LZRL0m8sv6yNgnobrNY1/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254932319hl=ennobrall 150 news articles/nobr/a/font/div/font/td/tr/table

FHA Will Take on Subprime Loans Shunned by Lenders (Update2) - Bloomberg

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Fannie Mae to buy loans from FHLB of Chicago - Forbes

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ND delegation says co-ops getting $400M in loans - Forbes

Fed auctions $138 billion to banks at 1.39% - MarketWatch

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/6i-0fd=Rurl=http://www.nwcn.com/business/stories/NW_100708BUB_fed_details_bank_loans_JM.ec4cd53c.htmlcid=1255213936ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNHjjcEL9EOnUIxy5OHG348PSoHRrAimg src=http://news.google.com/news?imgefp=QpmU2oXNwJIJimgurl=www.nwcn.com/business/stories/M_IMAGE.11beb4b9125.93.88.fa.d0.ec4fb87b.jpg width=80 height=60 alt= border=1brfont size=-2Northwest Cable News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/6-0fd=Rurl=http://www.marketwatch.com/news/story/fed-auctions-138-billion-banks/story.aspx%3Fguid%3D%257B5E340100-B1C4-437B-B576-943411A8E5DB%257D%26dist%3Dhpmpcid=1255213936ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFHnSbvj8Qqi3ujaPqNqM0TyDC-WwFed auctions $138 billion to banks at 1.39%/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1Seventy-one banks bid for the bloans/b. One trader speculated that more banks may not have been able to corral the collateral for the larger auction in time. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-1fd=Rurl=http://www.rttnews.com/Content/AllEconomicNews.aspx%3FNode%3DB2%26Id%3D733475cid=1255213936ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFSNGi4oSsRPCcwZor8Ls4rhT6I_gFed Announces Schedule For Upcoming TAF Auctions/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-2fd=Rurl=http://www.marketwatch.com/news/story/financial-stocks-jump-after-feds/story.aspx%3Fguid%3D%257BA0F08A0F-14E1-40C5-9AB0-002CF4EB5ABD%257D%26dist%3Dmsr_10cid=1255213936ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNEfBA_1ptg81mgeWsurGZkiMlQjXAFinancial stocks jump after Feds sets commercial paper buy/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-3fd=Rurl=http://www.marketwatch.com/news/story/global-central-banks-set-regular/story.aspx%3Fguid%3D%257BD5836F88-F22F-4FEA-9664-F0FC70170E44%257D%26dist%3Dmsr_2cid=1255213936ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNGM4qvG8BOBV6Sh27N9rUbWz6ubwwGlobal central banks set regular dollar auctions: Fed/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255213936hl=ennobrall 167 news articles/nobr/a/font/div/font/td/tr/table

Study: Losses on new loans hit record highs - Bizjournals.com

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/7-0fd=Rurl=http://www.bizjournals.com/jacksonville/stories/2008/10/06/daily20.htmlcid=1255145355ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNHd-kcDD3nHFrj13qAjEsZSWEv8LQStudy: Losses on new bloans/b hit record highs/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Loan officers averaged 57 retail transactions each in 2007, which compared with 62 bloans/b per officer in 2006. • Net warehousing income — the net interest b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-1fd=Rurl=http://www.financialweek.com/apps/pbcs.dll/article%3FAID%3D/20081007/REG/810079981/1036cid=1255145355ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNEE4IECV-Zwq_v69CuSa7jmGCZqfAMortgage banks lost an average of $560 on each home loan b.../b/a font size=-1 color=#6f6f6fnobrFinancialWeek (subscription)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-2fd=Rurl=http://www.dsnews.com/view_story.cfm%3Fid%3D2983cid=1255145355ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNGtVVm10qwxxgtF-arGP_GH_gcTYQMBA Releases Annual Cost Study: $560 Lost on Every Loan Originated b.../b/a font size=-1 color=#6f6f6fnobrDSNews.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255145355hl=ennobrall 25 news articles/nobr/a/font/div/font/td/tr/table

Fed eyes plan to fund short-term business loans - The Associated Press

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.csmonitor.com/2008/1008/p01s01-usec.htmlcid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNH3XJ89nnH4RsiktPDKZC037GNfLQimg src=http://news.google.com/news?imgefp=DWyYeGZGAKQJimgurl=www.csmonitor.com/2008/1008/csmimg/ASUPERFED_P1.jpg width=80 height=61 alt= border=1brfont size=-2Christian Science Monitor/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://ap.google.com/article/ALeqM5jC0Js_XMSCt-GDAijc3qIbjuVZIAD93LEPVO0cid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNGIZ9Ro3WWIgLltiTx-BrX16oxY0AFed eyes plan to fund short-term business bloans/b/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1To help ease credit stresses, the Fed announced Monday it will provide as much as $900 billion in cash bloans/b to squeezed banks. It said 28-day and 84-day b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://www.thomsonmergernews.com/story.asp%3Fsectioncode%3D722%26storycode%3D280229cid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNG1LJFv86edyHb-nHKxBwKgM9gorQFed ponders unsecured bloans/b/a font size=-1 color=#6f6f6fnobrThomson Merger News (subscription)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://www.csmonitor.com/2008/1008/p01s01-usec.htmlcid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNH3XJ89nnH4RsiktPDKZC037GNfLQFed makes boldest move yet/a font size=-1 color=#6f6f6fnobrChristian Science Monitor/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-3fd=Rurl=http://www.kapptv.com/news/%3Fsect_rank%3D1%26section_id%3D22%26story_id%3D7595cid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNFcKbGJr6VfsloblmYzpX_ydJ8UeQFed is pumping $99 billion into short term bloans/b/a font size=-1 color=#6f6f6fnobrKAPP/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/8-4fd=Rurl=http://ftalphaville.ft.com/blog/2008/10/07/16721/fed-eyes-drastic-move-into-unsecured-loans/cid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNE6R7f0s0pNkz8Au7FSS3nZDKJ2kAnobrFT Alphaville/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/8-5fd=Rurl=http://news.moneycontrol.com/india/news/economy/fed-offers-banks-36900bn-cash-loans-to-infuse-liquidity/10/07/359983cid=1254976631ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNGZw1494Kh11hLgVV_bv6lmLzxVagnobrMoneycontrol.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254976631hl=ennobrall 1,441 news articles/nobr/a/font/div/font/td/tr/table

Russian Stocks Fall, Adding to Record Slump, on Rescue Loans - Bloomberg

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/9i-0fd=Rurl=http://www.itar-tass.com/eng/level2.html%3FNewsID%3D13147244%26PageNum%3D0cid=1255110918ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNG_lw6-1htP_ZViu3qMbm278s6ttwimg src=http://news.google.com/news?imgefp=Wvlr35oIQTAJimgurl=www.itar-tass.com/img/news_img_13147244_0006.jpg width=80 height=60 alt= border=1brfont size=-2ITAR-TASS/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601085%26sid%3DaaeJEqQoSZoM%26refer%3Deuropecid=1255110918ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNGsRock3mDHZYbENbi4TDsE8PuvzQRussian Stocks Fall, Adding to Record Slump, on Rescue bLoans/b/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr6 hours ago/nobr/fontbrfont size=-1OAO Sberbank, Russia#39;s biggest lender, should get more than half of the planned bloans/b at 500 billion rubles ($19 billion), and No. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://townhall.com/news/business/2008/10/07/medvedev_pledges_%2436b_more_for_bankscid=1255110918ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNEb11DK2-6XaXfumfEiF8froKTtWwMedvedev pledges $36B more for banks/a font size=-1 color=#6f6f6fnobrTown Hall/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da16BnNfBwIkw%26refer%3Dhomecid=1255110918ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNG-9ROHyRf4ocRCxGXCiLDrfUcQcgRussia Providing $200 Billion for Banks, Builders (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DayuZYnhpDE_o%26refer%3Dhomecid=1255110918ei=6b3rSKqKLJ7M8AS-ntCMCQusg=AFQjCNF7jUKVXEFgw1Vfkq85jFiMyuSNuARussia to Lend Banks $36 Billion to Spur Lending (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255110918hl=ennobrall 141 news articles/nobr/a/font/div/font/td/tr/table

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