It's hard to stay out of debt when you are a student.

当学生很难不负债。

《牛津词典》

He's determined to stay out of debt next month.

他下决心下个月不借债了。

youdao

Do the things you enjoy doing but stay out of debt.

做你喜欢做的事，但不要沉溺其中。

youdao

And yes, she shows you how to get out of debt and stay out of debt.

FORBES: Financial Recovery: Developing a Healthy Relationship With Money

There are no cute puppets exhorting children to save, invest well, stay out of debt, live within their means or avoid buying items to impress others.

FORBES: 10 Life And Money Lessons For Your Children

So save smart: Stay out of debt so you can max out your retirement savings, which should give you more breathing room for enjoying life later on.

WSJ: Getting Going: The Case for Spending It