Your Debt Might Be Growing -- Even If You're Paying

⚠️ What Happens When You Only Make Minimum Payments?

Many people don't realize that when you only pay the minimum:

You may be paying 20+ years on a single balance

Most of your payment goes toward interest, not your debt

You could end up paying 3x what you originally owed

Even if you're "on time" every month -- your total debt might still be going up.

✅ You May Have Options (Without a New Loan)

Today, many Americans are using debt consolidation tools to:

Lower monthly payments

Reduce or eliminate interest

Combine multiple cards into one

Pay off balances faster -- without increasing their total payment

And the best part? It doesn't hurt your credit to check.