Some are borrowing more to pay off existing debts and only lengthening their problem, while others are facing difficulty when they can no longer manage repayments.
Others are simply taking on loan after loan as it has become easier to obtain credit to the point of some lending being nothing short of irresponsible.
Whatever the reason the end result is the same for too many people - debts they cannot pay and an end which they cannot see.
Thankfully there is help and support available from places such as Citizens Advice, who can help find the best way forward to get finances back on a manageable footing.
However, a new problem is then created as the advice centres are under increasing pressure to meet demand for help, caused by a financial crisis which has also led to cutbacks which affect the support services.
As the welfare reforms bite advice centres have been given extra cash from the Scottish Government.
This is welcome, however it has to be monitored and ensured that people are able to get access to the right advice at the earliest opportunity.