Suppose you're 22

you buy $1,000 worth of stuff on a credit card with a typical 19% interest rate.

If you pay $20 every month, you'll be over 30 by the time you pay off that debt.

And....you'll have paid an extra $1,000 in interest. And that's if you never charge anything else on that card again.

Imagine what's happening on 5k, 10k, 20k or more in debt right now.

www.debthelper.com can help you figure this out.