So many things have been said about debt in the world of web. Amidst the plethora of criticisms, one fact remains undeniable and that is debt transforms a student to a man. In the first stage, debt transforms a student to a confident man by giving him education, credit cards and home. In the second stage, debt destroys the confidence and produces a stressful man by making him a slave. And in the third stage, debt rules a man and make him a broke.