Come on, don't be shy. you don't have to give the actual number. It doesn't include home or auto loans. Just Credit card debt

much MUCH higher

zero not counting my mortgage

lower

lower--I've made a big effort to get things paid off this year.

Lower - manageable credit card debt but I've got student loans that I've got to work on.

really, does that include a house, college loans and all? If it does I am much higher.

no, I'm talking credit card debt.

Ah, then much less almost 0

presumably that does not include mortgages.