You can’t talk about Debt and then say that we aren’t counting mortgages. Mortgage debt is still debt but as others have suggested its more “good” debt than “bad”.
I have a 115k mortgage left, a 0% credit card paid off in full each month (i use it for the benefits it provides) and will have around 13k of student loans in a years times.
I wish I had realised how cheap my student debt would be as its cheaper than my mortgage. I could have moved the mortgage debt to the student debt and saved myself quite a bit of interest in a few years time.