America is a nation of borrowers, and while racking up debt can be dangerous at any age, it's especially hazardous for those heading into retirement. Because most seniors are behind on savings to begin with, carrying debt into retirement will only strain their already limited budget. Yet a growing number of households are kicking off their golden years with piles of debt -- in fact, 20% of borrowers actually expect to die in debt.According to the Consumer Financial Protection Bureau, 30% of homeowners aged 65 and older still carry mortgage debt -- granted, housing debt is technically the "good" kind to have.