Many people deal with financial stress a lot like they deal with their health; that is, they ignore it for as long as possible and hope it works itself out. Even individuals who know what they should do are often unable to overcome the barriers that keep them from taking action.

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Not everyone carries a balance on their credit cards from month to month, but for those who do, the average balance per household is now $9,600. That’s about 17% of the average U.S. household income! Here are some strategies you can use to help pay off your credit cards.

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