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If you're driving 40 miles each way to and from work, and you're the sole bread winner, a car loan might well be good debt in that it is helping put food on your family's table.
If you're netting $5,200 a month, and you take a subprime home loan with a $2,800 PITI payment, there's a good chance it's gonna turn into bad debt.
Playing semantic games doesn't serve a lotta purpose. Everyone's situation is different.