it is very difficult to get fixed rate financing from banks in a commercial market, the only thing would be bonds. I am 60 and I can tell you I have borrowed millions but I am happier being out of debt and more secure. I have always and continue to look at debt as a tool. What makes less sense to me is AAPL with 50 billion in cash in the bank, no dividend, no debt and just holding it at .75% interest. What a waste of possibility. It is a good thing they are doing everything else right.