How much debt is too much? It depends. That’s not the answer you wanted, perhaps, but it’s the only sensible one: It depends on how easily you can repay the money and what you borrowed it for in the first place.

The stories below will help you realize whether you’ve taken on too much debt and, if so, how to get it under control. If you’re too far in over your head, we also explain the basics of bankruptcy—which always should be a last resort.