If Jim, a random citizen, owes TD Bank $300,000 for his house mortgage, is this added to the U.S. national debt?
According to [Wikipedia](https://en.wikipedia.org/wiki/National_debt_of_the_United_States): National debt consists of two components. The first is > *Debt held by the public*, such as Treasury securities held by investors outside the federal government, including those held by individuals, corporations, the Federal Reserve System, and foreign, state and local governments. So is this saying that if a random person owes a random company money, it is calculated into national debt? I don't quite understand the wording and I though that the national debt was debt owed by the government.