From my own experience I can say that avoiding getting in debt is not always so easy. I know that some people are never in debt, but I take a loan from time to time. One thing I like to know before taking any loans are interest rates. Before taking any loan, I want to be sure that I am going to get the best deal that there is. I would not want to discover that somebody else than me is paying lower interest rates on his loans for no apparent reason. I have a few ways to ensure that I choose the best interest rates. The Internet has been helpful to me for the last couple of years as it allowed me to find good interest rates.