Hello, friends and family. I have struggled with credit card debt since 2012, when turned 18 and started college. I put myself through college and grad school, and worked full time the whole time to pay all my own bills, but still lived beyond my very limited means. I now have $18,476.21 in credit card debt, and that is entirely my own fault and responsibility. I am not alone--46% of Americans have credit card debt. The average American household owes $7,951 in credit card debt. 1 in 4 Americans have less than $1,000 in savings. If you are able to help me get out from under the burden of my own poor financial decisions, thank you! If not, thank you anyway!