Plus, did Americans finally pay off their holiday debt?

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TransUnion recently reported that Americans have an average of $6,455 in credit card debt, up from the year prior. Meanwhile, the average credit card APR is sitting at 21.91%.

What does your credit card balance look like? How long will it take you to pay it off? And how much extra will you be paying with your interest rate?

Being in debt is more than just inconvenient. It can wreak havoc on your finances as past purchases rack up interest and haunt your current budget. If you’re feeling overwhelmed with your debt, it may be time to consider consolidating it. And, no, you don’t have to take out a loan to do it. We’ve got the rundown on five ways you can consolidate your credit card debt.

Pay Down Your Debt

data showing a debt report snapshot for Q1 2025

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