The more debt you have, the higher income you should have at the same time. You should never allow situations that you borrow more money than you can afford to pay back. If your debt is getting out of control and is higher that your income, it is a sign that you need to start looking for a new source of income. It might be ok for a short while to be in debt provided that you do everything to find an extra source of income to pay off your debt. Being in debt and not doing anything about it is not a responsible thing to do.