Debt is very risk, it can put your life in a continuous disorder, especially when you are an adult with responsibilities.
Even if you want loan, only take it to:
Start or expand a business that you are sure of profit and less risky.
Buy or rent a home for your family
Sponsor your education or you children's own.
Take care of a health challenge.
Apart from these important things listed above, avoid being in debt for any reason.
One thing that you must realize is that there is no easy way to becoming wealthy, you have to practice the discipline of not living above your means or what you cannot afford.
Don't live above your means, live below. learn how to invest after spending on the necessary needs and expenditures. Take out some cash for emergencies and invest as much as you can, that is the only way you can increase your wealth in the future.
When your wealth has increased, don't increase your lifestyle to match it, rather increase your investment to expand your wealth the more.
The easiest way to become wealthy is through invest. Please do your research before investing on any business, so you don't always end up in loss