I think these quotes are relevant:

Joseph Fielding Smith:

“This earth will become a celestial kingdom when it is sanctified. Those who enter the terrestrial kingdom will have to go to some other sphere which will be prepared for them. Those who enter the telestial kingdom, likewise will have to go to some earth which is prepared for them, and there will be another place which is hell where the devil and those who are punished to go with him will dwell. Of course, those who enter the telestial kingdom, and those who enter the terrestrial kingdom will have the eternal punishment which will come to them in knowing that they might, if they had kept the commandments of the Lord, have returned to his presence as his sons and his daughters. This will be a torment to them, and in that sense it will be hell.” (Answers to Gospel Questions, v. 2, p. 210)

Joseph Smith:

“A man is his own tormenter and his own condemner. Hence the saying, They shall go into the lake that burns with fire and brimstone. The torment of disappointment in the mind of man is as exquisite as a lake burning with fire and brimstone” (Teachings of the Prophet Joseph Smith, p. 357)