{"id":67373,"date":"2023-01-20T10:54:54","date_gmt":"2023-01-20T05:24:54","guid":{"rendered":"https:\/\/www.the-next-tech.com\/?post_type=web-story&#038;p=67373"},"modified":"2023-01-20T10:56:27","modified_gmt":"2023-01-20T05:26:27","slug":"managing-debt-strategies-for-paying-off-credit-cards-and-loans","status":"publish","type":"web-story","link":"https:\/\/www.the-next-tech.com\/web-stories\/managing-debt-strategies-for-paying-off-credit-cards-and-loans\/","title":{"rendered":"Managing Debt: Strategies for Paying Off Credit Cards and Loans"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"The Next Tech\" publisher-logo-src=\"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2022\/07\/22163006\/tnt_logo.png\" title=\"Managing Debt: Strategies for Paying Off Credit Cards and Loans\" poster-portrait-src=\"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2023\/01\/20105546\/Cover-Image-82.jpg\"><amp-story-page id=\"dbcabeb7-700f-42c5-8ddf-d18f67d29276\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#ecd2b9\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-63ace9b0-a6d6-4a23-8253-a87f4069bb0e\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-16.74757%;top:-0.80906%;width:133.98058%;height:53.55987%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-e31ab822-5b48-4bf4-a96d-eebe25c5adba\">\n<div style=\"position:absolute;width:100%;height:100.06042%;left:0%;top:-0.03021%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/img.freepik.com\/premium-vector\/electronic-payments-online-shopping-internet-debit-good-business-reputation_159757-397.jpg?w=740\" alt=\"electronic-payments-online-shopping-internet-debit-good-business-reputation_159757-397.jpg\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:62.13592%;width:74.27184%;height:23.13916%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 1.3986013986013985% 1.3986013986013985% 1.3986013986013985% 1.3986013986013985%\" id=\"el-2644e74e-7439-43f2-baa3-c0bada023685\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.13786764705882354% 0;font-family:&quot;Roboto&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Managing_Debt_Strategies_for_Paying_Off_Credit_Cards_and_Loans\"><\/span><span><span style=\"font-weight: 700; color: #1c203b\">Managing Debt: Strategies for Paying Off Credit Cards and Loans<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"8e6436c5-5933-4ff1-9447-29c0e71fc43c\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-78ced19f-8a7a-4e09-ae7a-fba045665a39\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d072bacf-586c-4ded-9b0f-84fa7e18154e\",\"keyframes\":{\"transform\":[\"translate3d(-116.02564%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9c1f438e-614a-47ee-a6b5-539eeb855c1a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-4770d081-a9a8-439f-8655-854d650bef80\",\"keyframes\":{\"transform\":[\"translate3d(-112.5%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#313831\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-da440173-98c8-4c5c-8ec1-02bc41a8769b\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:12.78317%;width:75.72816%;height:13.75405%;opacity:1\">\n<div id=\"anim-78ced19f-8a7a-4e09-ae7a-fba045665a39\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-d072bacf-586c-4ded-9b0f-84fa7e18154e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-116.02564%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.641025641025641% 0.641025641025641% 0.641025641025641% 0.641025641025641% \/ 2.3529411764705883% 2.3529411764705883% 2.3529411764705883% 2.3529411764705883%\" id=\"el-0643e0b5-357d-4825-9e0e-9be8828e1e9b\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-1.065705128205129% 0;font-family:&quot;Epilogue&quot;,sans-serif;font-size:0.614887em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Create_a_Budget\"><\/span><span><span style=\"font-weight: 700; color: #ffbc35\">Create a Budget&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:9.95146%;top:39.32039%;width:79.61165%;height:38.67314%;opacity:1\">\n<div id=\"anim-9c1f438e-614a-47ee-a6b5-539eeb855c1a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-4770d081-a9a8-439f-8655-854d650bef80\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-112.5%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6097560975609756% 0.6097560975609756% 0.6097560975609756% 0.6097560975609756% \/ 0.8368200836820083% 0.8368200836820083% 0.8368200836820083% 0.8368200836820083%\" id=\"el-97edf1ea-c7e2-4cdb-bc58-8a33841e4edf\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.10718368902439025% 0;font-family:&quot;Roboto&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"The_first_step_in_managing_debt_is_to_create_a_budget_that_takes_into_account_your_income_and_expenses_This_will_help_you_see_where_your_money_is_going_and_identify_areas_where_you_can_cut_back\"><\/span><span><span style=\"font-weight: 700; color: #fff\">The first step in managing debt is to create a budget that takes into account your income and expenses. This will help you see where your money is going and identify areas where you can cut back.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"032012aa-66f3-468f-a393-6203977fcfa7\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6c0ab959-5a90-4919-a71d-a87add0bc096\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-21f4b4ba-c657-433f-9492-44e365523b80\",\"keyframes\":{\"transform\":[\"translate3d(116.50485%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-4e1071ce-72b2-4c71-9acb-556521ec2bfb\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c02761a5-caf3-4018-9e1d-ed84a10514a2\",\"keyframes\":{\"transform\":[\"translate3d(117.97386%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#3a566e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-4e4ac417-35bd-4303-af15-5c1e46ecb961\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:27.18447%;width:75%;height:13.91586%;opacity:1\">\n<div id=\"anim-6c0ab959-5a90-4919-a71d-a87add0bc096\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-21f4b4ba-c657-433f-9492-44e365523b80\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(116.50485%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-5feb95e3-feaf-428a-8f4a-0fbf66b0907b\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9875606796116503% 0;font-family:&quot;Gelasio&quot;,serif;font-size:0.582524em;line-height:1.1;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #ffffb7\">Prioritize Debt Repayment&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:51.13269%;width:74.27184%;height:25.08091%;opacity:1\">\n<div id=\"anim-4e1071ce-72b2-4c71-9acb-556521ec2bfb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-c02761a5-caf3-4018-9e1d-ed84a10514a2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(117.97386%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 1.2903225806451613% 1.2903225806451613% 1.2903225806451613% 1.2903225806451613%\" id=\"el-c8af5cca-e48d-4de4-be1e-02486e74b98e\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.11948529411764694% 0;font-family:&quot;Roboto&quot;,sans-serif;font-size:0.420712em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Prioritize_paying_off_the_debts_with_the_highest_interest_rates_first_as_these_will_cost_you_more_in_the_long_run\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Prioritize paying off the debts with the highest interest rates first, as these will cost you more in the long run.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"a5bce971-d093-4213-823e-c211a0841dc6\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c1e4ee12-9a8c-497d-adad-76a6cdb55a95\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-150fb649-f912-45aa-8e7a-cc99252fe5d3\",\"keyframes\":{\"transform\":[\"translate3d(0px, -220.6002%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0c34b7c1-1b45-45cf-88cf-92df1fb7a010\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ca691243-15b6-482a-86d3-292fe7732b22\",\"keyframes\":{\"transform\":[\"translate3d(0px, -341.59355%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#094228\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1e4aaf70-1671-4c8b-b460-5d8b69811890\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:17.47573%;width:74.51456%;height:22.16828%;opacity:1\">\n<div id=\"anim-c1e4ee12-9a8c-497d-adad-76a6cdb55a95\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-150fb649-f912-45aa-8e7a-cc99252fe5d3\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -220.6002%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-e8c1a016-fdb1-4300-9489-3d97f548f36c\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.11400651465797976% 0;font-family:&quot;Lora&quot;,serif;font-size:0.566343em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Make_More_Than_The_Minimum_Payments\"><\/span><span><span style=\"color: #ffcc4a\">Make More Than The Minimum Payments&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:50.16181%;width:74.27184%;height:24.59547%;opacity:1\">\n<div id=\"anim-0c34b7c1-1b45-45cf-88cf-92df1fb7a010\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-ca691243-15b6-482a-86d3-292fe7732b22\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -341.59355%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 1.3157894736842104% 1.3157894736842104% 1.3157894736842104% 1.3157894736842104%\" id=\"el-5e08eda1-1a56-46d0-941e-ed8284b88d02\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.32679738562091504% 0;font-family:&quot;Lora&quot;,serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Making_more_than_the_minimum_payments_can_help_you_pay_off_your_debt_faster_and_save_on_interest_charges\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Making more than the minimum payments can help you pay off your debt faster and save on interest charges.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"974f585e-b13b-4968-b42b-ebc3aef185f0\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1ca3b3b5-6047-4ea3-a007-dcd611c599e1\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6efb2140-1c3f-4964-ae4b-f68d16a3f2c7\",\"keyframes\":{\"transform\":[\"translate3d(0px, 637.90825%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-faa90725-306b-4531-97f7-1266ee5678f8\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3f136cac-33c7-4412-a145-cd157166ebb5\",\"keyframes\":{\"transform\":[\"translate3d(0px, 212.27744%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#2d2a35\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d2d68f44-7837-48d9-96ec-14ae4855a6a3\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.83495%;top:65.04854%;width:8.98058%;height:5.66343%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;clip-path:url(#el-f4d2fd13-eba9-4d32-8865-451748af8d9b);-webkit-clip-path:url(#el-f4d2fd13-eba9-4d32-8865-451748af8d9b)\" class=\"mask\"><svg width=\"0\" height=\"0\"><defs><clipPath id=\"el-f4d2fd13-eba9-4d32-8865-451748af8d9b\" transform=\"scale(1 1)\" clipPathUnits=\"objectBoundingBox\"><path d=\"M 0.5 0 L 1 1 L 0 1 Z\"><\/path><\/clipPath><\/defs><\/svg><\/p>\n<div class=\"fill\" style=\"background-color:#2d2a35;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:21.52104%;width:76.69903%;height:13.75405%;opacity:1\">\n<div id=\"anim-1ca3b3b5-6047-4ea3-a007-dcd611c599e1\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-6efb2140-1c3f-4964-ae4b-f68d16a3f2c7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 637.90825%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-5ed79fd3-160c-4ac2-8403-513e43b811e1\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.3876582278481017% 0;font-family:&quot;Trykker&quot;,serif;font-size:0.566343em;line-height:1.18;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Consolidate_Your_Debt\"><\/span><span><span style=\"font-weight: 700; color: #fff0d8\">Consolidate Your Debt<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:47.08738%;width:75.24272%;height:29.28803%;opacity:1\">\n<div id=\"anim-faa90725-306b-4531-97f7-1266ee5678f8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-3f136cac-33c7-4412-a145-cd157166ebb5\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 212.27744%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6451612903225806% 0.6451612903225806% 0.6451612903225806% 0.6451612903225806% \/ 1.1049723756906076% 1.1049723756906076% 1.1049723756906076% 1.1049723756906076%\" id=\"el-e2e6306d-ebb6-4def-b626-0b6c8cb1e3a4\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.20161290322580644% 0;font-family:&quot;Trykker&quot;,serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Consolidating_your_debt_can_simplify_the_repayment_process_by_combining_multiple_debts_into_one_monthly_payment\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Consolidating your debt can simplify the repayment process by combining multiple debts into one monthly payment.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"8d1d2cbe-4e59-4675-a0f5-130f1c46efcd\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c2793ab6-49ac-426b-a978-0594b367b4bc\",\"keyframes\":{\"transform\":[\"translate3d(-114.92064%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9de7340e-e987-45a8-a0c2-3c3219770640\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ae99d993-19ef-46b1-a945-d737ff73477c\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b39a50f4-8e37-4a93-a941-7ff6a12dbac1\",\"keyframes\":{\"transform\":[\"translate3d(-115.87301%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-478498fe-bb1b-4e2a-8138-e48dddbeecb6\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-978fea1b-63a2-43bf-816f-35ef57865229\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#bcebee\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0b17995c-0f59-4cc0-a6b2-7b81bce38e4b\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.40777%;top:28.80259%;width:76.45631%;height:7.28155%;opacity:1\">\n<div id=\"anim-c2793ab6-49ac-426b-a978-0594b367b4bc\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-114.92064%, 0px, 0)\">\n<div id=\"anim-9de7340e-e987-45a8-a0c2-3c3219770640\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-ae99d993-19ef-46b1-a945-d737ff73477c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-3d3a58a7-d31e-4296-97cb-c3b8560a0de4\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.8571428571428569% 0;font-family:&quot;Tapestry&quot;,cursive;font-size:0.582524em;line-height:1.4;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #590d22\">Avoid New Debt&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:46.27832%;width:76.45631%;height:28.9644%;opacity:1\">\n<div id=\"anim-b39a50f4-8e37-4a93-a941-7ff6a12dbac1\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-115.87301%, 0px, 0)\">\n<div id=\"anim-478498fe-bb1b-4e2a-8138-e48dddbeecb6\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-978fea1b-63a2-43bf-816f-35ef57865229\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 1.1173184357541899% 1.1173184357541899% 1.1173184357541899% 1.1173184357541899%\" id=\"el-d017ac0a-6e84-42e7-b2da-d76b7b49dac8\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.11160714285714285% 0;font-family:&quot;Roboto&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Avoid_taking_on_new_debt_while_trying_to_pay_off_existing_debt_This_will_only_add_to_the_problem_and_make_it_more_difficult_to_get_out_of_debt\"><\/span><span><span style=\"font-weight: 700\">Avoid taking on new debt while trying to pay off existing debt. This will only add to the problem and make it more difficult to get out of debt.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"bd58bc9b-03c0-4a7d-8be8-b2ba6c30a7ed\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-4a07ec32-91be-4e31-8c06-b1217473ff94\",\"keyframes\":{\"transform\":[\"translate3d(116.82848%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c1ddc97b-1651-454c-9188-7195b6678ec2\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f80c1352-098e-4732-93f6-6a1803e0eb6f\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8d88de22-dbfd-43e2-9123-750016b0165f\",\"keyframes\":{\"transform\":[\"translate3d(116.34615%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0b831fb9-43b8-497d-b39b-55056d56d73f\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-4d4bf023-9335-4351-b1a0-f0823b666d95\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#e9d5c5\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-aab99cf8-e93e-4eba-a118-bed5b6e0acc3\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:19.57929%;width:75%;height:15.37217%;opacity:1\">\n<div id=\"anim-4a07ec32-91be-4e31-8c06-b1217473ff94\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(116.82848%, 0px, 0)\">\n<div id=\"anim-c1ddc97b-1651-454c-9188-7195b6678ec2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-f80c1352-098e-4732-93f6-6a1803e0eb6f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-f5edfb84-38bc-44da-911f-79df06250f1d\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.6763754045307443% 0;font-family:&quot;Chivo&quot;,sans-serif;font-size:0.614887em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Negotiate_With_Creditors\"><\/span><span><span style=\"font-weight: 700; color: #003bad\">Negotiate With Creditors&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:46.92557%;width:75.72816%;height:24.11003%;opacity:1\">\n<div id=\"anim-8d88de22-dbfd-43e2-9123-750016b0165f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(116.34615%, 0px, 0)\">\n<div id=\"anim-0b831fb9-43b8-497d-b39b-55056d56d73f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-4d4bf023-9335-4351-b1a0-f0823b666d95\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.641025641025641% 0.641025641025641% 0.641025641025641% 0.641025641025641% \/ 1.342281879194631% 1.342281879194631% 1.342281879194631% 1.342281879194631%\" id=\"el-d9a8674b-479a-49fc-ae9d-1b6bfa5b5d2c\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.04006410256410256% 0;font-family:&quot;Chivo&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Contact_your_creditors_and_try_to_negotiate_a_lower_interest_rate_or_a_new_payment_plan_that_works_better_for_you\"><\/span><span><span style=\"font-weight: 700\">Contact your creditors and try to negotiate a lower interest rate or a new payment plan that works better for you.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"ee46c09f-ea1a-44b8-a7a0-9954030d0aa4\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8840eede-01f1-43eb-b339-5777a6628a7b\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3cd39df6-d324-40bd-b215-c740f3ed06cb\",\"keyframes\":{\"transform\":[\"scale(0.3333333333333333)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ef1f4781-f7f3-493f-87f5-6861844caa46\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-02a6c88b-a59b-4c91-a930-c783b776905c\",\"keyframes\":{\"transform\":[\"scale(0.3333333333333333)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#211f1e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ffe574b8-e5af-4074-8636-1f8a9bc11647\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:19.57929%;width:75.72816%;height:21.35922%;opacity:1\">\n<div id=\"anim-8840eede-01f1-43eb-b339-5777a6628a7b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-3cd39df6-d324-40bd-b215-c740f3ed06cb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.3333333333333333)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-22a38bba-8499-4cd8-bee7-163cefd32944\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9076240735176282% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.566343em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #ffa811\">Use Balance Transfer Credit Card&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:53.23625%;width:75%;height:29.93528%;opacity:1\">\n<div id=\"anim-ef1f4781-f7f3-493f-87f5-6861844caa46\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-02a6c88b-a59b-4c91-a930-c783b776905c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.3333333333333333)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6472491909385114% 0.6472491909385114% 0.6472491909385114% 0.6472491909385114% \/ 1.0810810810810811% 1.0810810810810811% 1.0810810810810811% 1.0810810810810811%\" id=\"el-e94d25e8-800f-4ff1-93a3-e9bd031fcec1\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6545971126618123% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Consider_using_a_balance_transfer_credit_card_to_transfer_high-interest_credit_card_balances_to_a_card_with_a_lower_interest_rate\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Consider using a balance transfer credit card to transfer high-interest credit card balances to a card with a lower interest rate.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"716c00b0-5fd8-4d9f-96d7-70e83e1e5664\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5af9c128-f487-42f7-8680-66c89b25e931\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":500,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f30456a8-6783-46b1-a8c8-123bd36f5631\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":500,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#eec2bc\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-cfe646b8-af3f-4dd8-99ae-293aa6fc9537\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:19.09385%;width:76.21359%;height:16.01942%;opacity:1\">\n<div id=\"anim-5af9c128-f487-42f7-8680-66c89b25e931\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6369426751592357% 0.6369426751592357% 0.6369426751592357% 0.6369426751592357% \/ 2.0202020202020203% 2.0202020202020203% 2.0202020202020203% 2.0202020202020203%\" id=\"el-7c3c23bf-bacd-4fc7-84c0-601a7700ae87\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.218886843152866% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.582524em;line-height:1.4;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Seek_Help_If_Needed\"><\/span><span><span style=\"font-weight: 700; color: #590d22\">Seek Help If Needed&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:44.33657%;width:75.72816%;height:24.91909%;opacity:1\">\n<div id=\"anim-f30456a8-6783-46b1-a8c8-123bd36f5631\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.641025641025641% 0.641025641025641% 0.641025641025641% 0.641025641025641% \/ 1.2987012987012987% 1.2987012987012987% 1.2987012987012987% 1.2987012987012987%\" id=\"el-08866c4a-f6ec-49d2-9b52-f4a8cd7890db\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6483029096554487% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"If_youre_struggling_to_manage_your_debt_seek_help_from_a_non-profit_credit_counseling_agency_or_a_financial_advisor\"><\/span><span><span style=\"font-weight: 700\">If you&#8217;re struggling to manage your debt, seek help from a non-profit credit counseling agency or a financial advisor.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"4a5df6eb-cba0-480c-8be8-b076947e9df9\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3af74394-6367-4c4a-a4ae-51c8c1bcf4e8\",\"keyframes\":[{\"transform\":\"scale(1)\",\"offset\":0},{\"transform\":\"scale(1.5)\",\"offset\":0.33},{\"transform\":\"scale(0.95)\",\"offset\":0.66},{\"transform\":\"scale(1)\",\"offset\":1}],\"delay\":0,\"duration\":1450,\"easing\":\"ease-in-out\",\"fill\":\"both\",\"iterations\":1}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3571061f-013a-480a-8ae5-9c0caebc46f5\",\"keyframes\":[{\"transform\":\"scale(1)\",\"offset\":0},{\"transform\":\"scale(1.5)\",\"offset\":0.33},{\"transform\":\"scale(0.95)\",\"offset\":0.66},{\"transform\":\"scale(1)\",\"offset\":1}],\"delay\":0,\"duration\":1450,\"easing\":\"ease-in-out\",\"fill\":\"both\",\"iterations\":1}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fcefab\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-46beee17-53a1-4787-8553-cc27d33a0281\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:11.8123%;width:76.45631%;height:22.97735%;opacity:1\">\n<div id=\"anim-3af74394-6367-4c4a-a4ae-51c8c1bcf4e8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(1)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 1.4084507042253522% 1.4084507042253522% 1.4084507042253522% 1.4084507042253522%\" id=\"el-1765ff5f-b7ee-4c94-8784-cd6814ec1702\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.9942857142857144% 0;font-family:&quot;BioRhyme&quot;,serif;font-size:0.582524em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Avoid_Using_Credit_Cards_As_a_Crutch\"><\/span><span><span style=\"font-weight: 700; color: #800f2f\">Avoid Using Credit Cards As a Crutch<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:42.88026%;width:75.72816%;height:35.43689%;opacity:1\">\n<div id=\"anim-3571061f-013a-480a-8ae5-9c0caebc46f5\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(1)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.641025641025641% 0.641025641025641% 0.641025641025641% 0.641025641025641% \/ 0.91324200913242% 0.91324200913242% 0.91324200913242% 0.91324200913242%\" id=\"el-7900b6df-2b2d-4b13-8390-55547e566e50\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.3982371794871797% 0;font-family:&quot;BioRhyme&quot;,serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Avoid_using_credit_cards_as_a_crutch_to_cover_your_living_expenses_try_to_live_within_your_means_and_save_for_unexpected_expenses\"><\/span><span><span style=\"font-weight: 700\">Avoid using credit cards as a crutch to cover your living expenses, try to live within your means and save for unexpected expenses.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are many ways to pay off your credit card debt. However, not all options are the same. 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