the american debt has risen to an all time high along with the lack of education regarding money and debt.  Many people get in debt without knowing the implications it will have on their family economy and savings.  Instead letting young couples get married with out knowing about debt, lets get them educated in the school system and teach them about saving for the future and warn them about bad debt and good debt.  If we don't teach them now we will pay a larger deficit in the future than it currently is.