Debt is very risk, it can put your life in a continuous disorder, especially when you are an adult with responsibilities.
Even if you want loan, only take it to:
Start or expand a business that you are sure of profit and less risky.
Buy or rent a home for your family
Sponsor your education or you children's own.
Take care of a health challenge.
Apart from these important things listed above, avoid being in debt for any reason.
One thing that you must realize is that there is no easy way to becoming wealthy, you have to practice the discipline of not living above your means or what you cannot afford.
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but most of the time, people just can't make a good priority for themselves, which in the end push them spend more than they have.