If there's one thing that's stressful enough to bring down anyone in the U.S. of A., it's debt. Many debtors' first instinct is to ignore the debt itself and focus on the individual payments.
I'm here to tell you that you need to take control of that debt. Figure out exactly how long it will take you to pay off your credit cards. It might not seem like it at this moment, but being in the green will be one of the greatest moments of your life.