text: how much debt are you in? all i have to pay now is my car loan and credit card, for a total of about $12,000. yippeee. my husband would like to add another $200,000 to that so we can get a house. *sigh* 'tis the american way i guess... i am in more debt than i would like to openly admit.....two cars, a house, a motorcycle, and about 20 credit cards.......not good!!!!