GREENSBORO, N.C. – Buyer, beware: when something sounds too good to be true, it usually is. The Government Accountability Office (GAO) confirms debt is at an all-time high in the first part of 2024, and Experian reports 16 percent of Americans have bad credit. These two factors, coupled with persistently-high inflation, are why financial literacy author Ja’Net Adams, founder of Debt Sucks University, is noticing a phenomenon.