It's part of the picture that most doctorshave of their retirementâ€”owningtheir home free and clear. However, ananalysis of census data by suggests that this goal is no longer consistentlybeing attained. In fact, about28% of homeowners age 65 and olderstill carry a mortgage on their homes.That's up from about 20% in 1990 and19% in 1980. Some suggest that thistrend reflects a change in attitude towarddebt among generations. Whereas theGreat Depression bred a generation ofseniors who valued debt-free living,today's generation approaches debt withless caution. Also contributing to thedebt levels of current seniors is that moreof them attended college than any generationprior, which incurred a markedincrease of educational debt that slowedthe mortgage payment process. The increase in home prices, lowinterest rates, and the benefit of taxdeductions for interest paid on mortgagesalso contribute to this trend.