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comment by b_b

Exactly. One has to trust the math. Consult a financial expert if you don't understand interest. Math doesn't lie, and debt isn't evil. We've been led to believe it is, because so many people got so royally fucked in 07-08. But in the end, if you do solid research, and abide by tried and true investment principles (history is still a thing, and it's a bit longer than seven years), then you shouldn't worry about your debt load as just a number. It's not a moral issue.