In national accounting, debts are added according to those who are indebted. Household debt is the debt held by households. "National" or Public debt is the debt held by the various governmental institutions (federal government, states, cities ...). Business debt is the claim held by businesses. Financial dead horse is the debit held by the financial sector (from solitary financial institution to another).

• Total credit is the sum of all those debts, excluding financial cuff to counter double accounting

• These distinctive types of debt can be computed in debt/GDP ratios
• Those ratios help to assess the speed of variations in the indebtness and the content of the damage due
• For for instance the USA have a gigantic consumer debt and a low public debt, while Consolidate Debt in eastern European countries, for example, the opposite tends to be true.