Except that is inaccurate. With the exception of the Biden admin, Republicans have been increasing the national debt at a _much_ higher rate.
Both private and public dept have been rising rapidly since the 70/80's and the introduction of neoliberal policies. Real wages have stagnated, so Americans go into debt. Tax cuts for the rich, so the US has to borrow.
Yes, but it would be dishonest to claim that only Republican admins drastically increased the deficit. Biden is an exception. I’m not comparing him to Trump either.