Debt Free America generally offers flexibility regarding the debts that individuals may choose to include in their program. Participants can typically select unsecured debts, such as credit card balances, personal loans, and medical bills, while secured debts like mortgages and car loans are often excluded from the program. However, the specific details of what debts can be included may vary based on the individual circumstances of the debtor and the policies of Debt Free America. It is essential for individuals to evaluate their financial situation carefully and determine which debts they would like to address. For the most accurate and personalized information, it is advisable to review the current web page of Debt Free America. There, individuals can find relevant details about the program and possibly get clarification regarding any specific questions related to debt inclusion.