"You are not a loan." The organization Strike Debt uses this double entendre to unite debtors nationally.
Americans face a unique problem as usurious lending practices have become a norm, especially for the poorest of citizens, minorities, and students.
Many Americans work to simply pay down a debt that will never go away. Some are going into debt to cover basic needs every month.
Unfortunately, solutions to debt are not as simple as saving money, just not buying with credit, or refusing to take out loans. It is not useful to tell many of those with debt to "just budget their money."
"Financial planning" becomes a distant luxury for those strapped with massive debt.