The Expressway's Not The Best Way

The Highway to Credit Perdition
One may exit with acts of contrition;
One may also backslide
In a shiny new ride,
When a loan is the key to ignition.  

The Federal Reserve reported that US consumer debt increased at an annual rate of 2.5% in January. While credit card balances continued to fall, as they have for the last two years, non-revolving consumer loans - especially auto financing - were up sharply.