Interest Rates Debt Relief Options Debt Forgiveness Debt Consolidation Variable APRs Impact of Interest Rates Holiday Expenses Overspending Alternatives to Forgiveness Paying Down Balances Other Financial Goals APR Management Interest Reduction Average Credit Cards Owned Home Equity Loans Consumer Debt
Experts warn against overspending as Americans plan to spend over $1,000 on holiday gifts, with many relying on credit and loans.