Racked up 22k in credit card debt

Racked up 22k in credit card debt I have 22k in credit card debt, I reached out to a program (pds) to help out but im scared of making the wrong decision and ending up in a worse situation than i currently am. Im 27 years olds and want to clear this debt as soon as i can so i can work towards my future financial goals. I make my monthly payments on my cards and have no late paym...

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