Involving in debt does not always mean bad credit loans. Many had their stories to tell about their success on achieving their long time dream such as a car, a house, or a tour to their dream places. Debt can be considered as your partner to let your dreams come to life. My dream house was completed because of partnering with debt but before I don't have the guts to do it. Many years back, I kept on asking myself when would I ever have my dream house. The dream house that I kept on dreaming since I was a teenager. I was so desperate that at the age of thirty my dream house still not realized. So it was then that I took the courage to get a loan just to get the house. Thankfully I succeeded. I am just fortunate that I have partnered with a loan agency that considers the targeted plan of the creditor. It is good that one must also consider whether the loan agency is concern with the interest of the creditor to have a win-win situation. Getting involved with debt does not always result into misery. It depends on how you manage it and carefully select a loan agency partner.