A glance at your credit card bills this January is all it may have taken to realize that your debt is becoming a bigger problem. And you're not the only one.  Household debt in the United States hit an all-time high in 2025, with credit card balances alone climbing to $1.23 trillion. Yes, trillion. So there's a lot of work to be done for many Americans to regain their financial health and independence right now. But should debt relief be one of the solutions? And, more specifically, should a