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Mis Too Much Debt To Pay Ice . For example, you may have too much debt if you have to use your credit card to pay for ordinary expenses, you. If you only paid the $100 minimum, it would take you more than 30 years to pay it off! Want Your Student Debt To Disappear? Here's How To Pay Down Your Loans from www.forbes.com Once the debt with the. How much debt is too much? One of the methods lenders use to determine if you have too much debt is by pouring your regular expenses and income into a formula and coming out with something.