Sleep debt is common today, affecting millions of US adults at some point in their lives. You cannot re-finance or pay off this debt except by making sleep a priority in your life. Many Americans try to compress their sleep time as much as possible, thinking you can streamline the sleep process and squeeze more quality wake time into the 24-hour day. Doesn’t work that way. 7-9 hours of sleep on average for adults is recommended, based on a consensus of sleep professionals.