11.   More Americans than ever are taking out mortgages, and students are increasingly forced to borrow to pay for the cost of higher education.

12.   More Americans than ever are taking out mortgages, and many consumers are forced to borrow to pay for the cost of higher education.

13.   She will have to borrow to pay for it, but shuns all other debt.

14.   Smith said she knows of retirees who were so concerned about their reputations and credit ratings that they took money from savings or borrowed to pay uncovered expenses.

15.   The mess had been building for more than a decade, as the delusional city kept spending and borrowing to pay for those jobs and services.

16.   The paper borrowed to pay wages in November.

17.   The unions will be possible because interest rates are expected to remain relatively low, allowing companies to borrow to pay for acquisitions.

18.   Then the nation will be in a better financial position in the future when it needs to borrow to pay Social Security benefits.

19.   These acquisitions are called recaps because buyers recapitalize a company by pumping in new equity while the target borrows to pay for its shares.

20.   Verizon and Con Edison officials have refused to consider passing the losses on to their shareholders or borrowing to pay the costs.