at what point does one need to start worrying about the depth of their debts?

I would be concerned about any unsecured debt, except students loans. This included personal loans and credit cards.

In addition, if you fell behind on your loan payments, i would also be concerned.

If you are worried about it, you probably have a problem. I would do a budget and see if you expenses are higher than your income. If so, you need to cut down on the expenses you control (Going out to eat, entertainment, cable tv, ...) You could also try to consolidate your debt to a lower interest rate.

Are you in debt? If so, you should at least be concerned (which some might call worried). You should be really worried when you are only able to pay the minimum interest and principle every month (unless, of course, the loan will penalize you for early payback, as some do). In general, you should have enough liquidable funds to live for 6 months at your present level if you suddenly lost your job; if you have much in the way of debt then you cannot do this and as such are on the edge.

When you start to make excuses on why you cant pay it off, or make your own deadlines or ecuses twhen to pay them. It is also when you realize that your life goals such as buying a house will not be able to be done until you get a control over your finances.

It is also when the creditors call, harass you or garnish your wages.

If you think there may be a problem then it is time to do something about it.

Depends what kind of debt it is, for me personally its when you dont pay your student loan back and they start garnishing your wages. LOL!!!

The moment you realize you're in debt.

When the money lender starts threatening to kill U if U dont repay.