How much debt do you have?

I am employed as an account manager at a credit repair company.  We offer a unique service.  We assist individuals who are serious potential home buyers fix their credit.  Some of my duties are to evaluate credit reports and develop a plan of action in how I can better serve my clients.  The goal is to help them improve their credit so they qualify for a  home. Now, I want to express my concern as to how much debt my clients have.  Excessive amounts of charge-offs on credit cards.  They tell me that most of the credit card debt they obtained once they enrolled in college.  They were sent some many credit card offers that it was hard for them just to turn the offers down. For some reason, they were not taught to just say no to those offers.  Five to seven years later they are still paying the consequences for their actions.  Be careful when adquiring so many credit cards.  Never use your credit cards as a source of income, but as a leverage to build your credit.