Debt free and loving it

We got into some trouble with credit cards when we were in college and working part-time. We just didn't have the money to make ends meet, so we would use credit cards - bad idea. So we ended up using a credit counseling service to help reduce the debt and eventually paid it all off and have remained credit card debt free for ten years now. Once we graduated, we were able to work full time and pay off all our student loan and car debt as well. I just hate the feeling of owing money and paying money towards interest.

Since credit counseling services make you cut up your current credit cards, not all people feel they can go that route. If so, perhaps a Credit Card Debt Consolidation loan is the answer. You can get a lower percentage rate and eliminate credit card debt much faster than if you pay the revolving interest on the cards each month.