The average family in the United States has anywhere from $40,000-$70,000 of consumer debt-credit cards and car notes. Considering the average household income is around $46,000, the average family is swimming in debt. Have we come to the point that we will simply accept making payments on our debts for the rest of our lives? As you complete this last unit lesson, you hopefully have a better understanding of personal finance. How do you now look at consumer debt? Is it a positive or negative experience? Do you believe that you can live a life free of debt -everything paid for except the house