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When it comes to managing personal finances,
families find they have difficulty keeping
their household expenses in check and
increasingly spend more than they earn.

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Debt can feel like a lead weight that hangs around your neck. With student loans, car payments, medical bills, and unnecessary purchases, it all adds up into a pretty heavy one. But can you really be debt-free?

Becoming debt free is really a choice. Once you decide to be debt-free, the next step is to learn.

Learning to confront your loans head-on and form a strategy for paying them down can help you start managing them. Get out from under your loans and get back in the world, then learn to stay debt free.