Credit card debt does nothing but sink your credit score, cause stress, and cost you money. You have everything to gain from eliminating it and getting to a point where when you do use a credit card, you’re able to pay it off in full each month.

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If you graduated from college earlier this year, it’s probably time for you to start paying back your student loans. It’s standard practice for lenders to offer a six-month grace period before requiring payments.

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For some who are carrying debt across multiple credit cards or loans, budgeting can become a nightmare. Minimum payments can get difficult to cover when there are many to pay out all over the month.

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If you’re like many millions of Americans, you have debt. ValuePenguin states that the average is $5,700 per person and $16,048 per household.

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CreditCards.com recently released the results of a survey of over 2,000 Americans regarding their credit card habits. 65 million Americans carry credit card debt and almost half, 43%, have had balances for two or more years.

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