Credit.com: Take control of your debt with these 10 top apps

Debt isn’t always a bad thing, and there are smart ways to use debt to your advantage. If you accumulate too much of it, however, debt can become overwhelming.

Paying off debt can seem almost impossible if you don’t know how to manage your finances. Not to mention you most likely have other expenses to worry about, whether it be saving for a house, paying regular monthly bills, or just dealing with day-to-day expenses. All these financial responsibilities, plus your increasing debt, can leave you with a mountain of bills, scrambling for solutions.

Lowering your monthly credit card payments or working to cut down your spending habits can help you manage your debt.

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