Avoid credit card/loan debts that make me end up worse off. The only 'debt' I have is to family and they haven't been bothered with it, they know I will pay it back in time and that it always helps me out when I need it and that I would do the same.
But credit card/loans from companies are something I won't do with the exception of if I had to pay for a course or something to help me get a job.