Unlike previous generations, today's retirees are carrying more debt, and more kinds of debt. Yevhenii Kazykin/Getty Images

The golden years are supposed to be debt-free, a time when you can finally relax after decades of monthly mortgage, student loan and credit card payment obligations. But that vision of retirement is increasingly out of reach for millions of Americans who find themselves carrying substantial debt well into their 60s, 70s and beyond. The financial landscape has shifted dramatically over the past few decades, and unlike previous generations, which widely entered retirement with modest debt balances or none at all, today's retirees are carrying more debt , and more kinds of debt.

Debt levels for Americans under 65 have roughly doubled since the early 1990s, ac

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