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Debt is what you owe - it comes in many forms, including mortgages, personal loans, credit card balances, hire purchase agreements, loans from family.
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possible improvements
It would be great to be able to type a few notes to save along side various 'plans' particualrly for the savings plan. Being able to write what you are saving for is a powerful action and also acts as a focus and reminder. Also it would be great for people planning to have children to be able to have a calculator that help estimate the costs of having children, how your income and retirement savings will be affected. The site is very useful but it would be great to have a feature where you can also print out a copy for your wallet, even something that has one column for budget/ plan and then a column for actual spending. Being able to track your actual spending against the plan would be really cool.