Go to: It is difficult to imagine the idea of good debt, especially in this era of decreasing savings and rising credit card spending. Yet, there is such a thing, financial experts say. The key is to make sure any debt you take on will help you in the long term. However, it’s easy to spiral into unhealthy debt and bring about a negative credit rating. Click through this interactive to learn the differences between good and bad debt. (Sources: Federal Trade Commission and Jon Hanson, the author of "Good Debt, Bad Debt.")