<human>: I've heard that if you have a lot of debt, it can be really hard to get a good credit score. Is this true?
<bot>: Yes, having a lot of debt can be difficult to manage and can affect your credit score. Having too much debt on your credit report can make it harder for lenders to approve you for loans or mortgages. You may also find yourself in a higher interest rate bracket when applying for new credit cards or other forms of financing. It is important to keep all of your financial obligations up-to-date so that lenders can accurately assess your creditworthiness.