When you think about retirement and imagine all the things you want to do at that point in your life, paying down debt never comes to mind. Unfortunately, the same doesn’t apply to the many Americans in the United States. When you start to think about all the debts you still have pending waiting for you to clear, a migraine can hit you. What with the student loan, credit card debt, supporting elderly parents, mortgages or a loan from Northcash, all waiting for you.