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Training Session · Beginner · 12–15 min+50 Mortgage Fitness Unlocks: Debt Detective badge

Understanding Debt

Debt isn't automatically bad. Almost everyone borrows at some point — a mortgage is debt, a student loan is debt, a credit card is debt. The question isn't do you have debt. It's how well do you manage it.

Step 1 of 14 · Welcome

Welcome

Debt isn't automatically bad.

The important question isn't do you have debt? — it's how well do you manage it? In the next 12–15 minutes we'll unpack how lenders actually think about borrowing, and end with your personal Debt Fitness Score.

Learning objectives

By the end of this session, you'll understand:

What debt is and the different types of borrowing.
The difference between secured and unsecured debt, and how each works.
How lenders typically view debt when assessing mortgage applications.
What appears on a credit report.
Common myths about debt.
Simple, factual ways to better understand and manage your financial commitments.
Where to find trusted help if you're struggling with debt.