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Finding a new way out of debt should be priority so find some debt relief. One more very efficient way that US citizens try to get rid of credit card debt is by going into a consumer credit counseling service. This is comparable to what a debt consolidation loan offers, but no one is giving you funds in it’s place you make payments each month to the credit counseling organization and they distribute it to your creditors for you. The key gains of this route are a lower APR and one monthly payment.