Struggling to keep up with debt? These options could shrink your monthly payments starting almost immediately.

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Credit card debt in the U.S. has surged — now around $1.2 trillion — while average APRs hover near 20%. In this interview ...

You can limit damage to your credit by making at least the minimum payment on time. Interest will still build on your balance, and your credit score may take a hit with credit utilization, but ...