There are means by which many US citizens can get relief from their debts. Programs such as the Federal Grants Aimed at Debt Relief for Citizens are providing a "bail out" for many who have become deeply swamped in debts, mostly due to credit cards. And while these grant money programs are becoming increasingly popular, they do not get to the root of the problem. That problem being why so many otherwise intelligent people allow themselves to fall into the trap that easy credit and "buy it now - pay for it later" sets.

It seems that "keeping up with the Joneses" is still popular, in fact it seems like one upping the Joneses is more commonly played out now days. The answer to this may well be in education of those who abuse their credit. There are many companies in the business of offering debt management classes and guidance in overcoming this indebtedness problem.

These companies usually have free consultations available as part of a consolidation package. Many just wish to take advantage of the offer of some free advice from an expert in the field. Learning why we allow ourselves to become ensnared in so much debt is the main key to solving the problem, and keeping out of debt for life. When people learn how to pay down each of their debts, one at a time, and negotiate with their creditors regarding interest rates and total due, they feel empowered and realize they can defeat this monster known as debt, once and for all. Many times asking for a reduction in the balance owed may find it cut in half, especially when they've already received thousands in interest payments over many years of making payments.

Obtaining financial aid through debt relief grants is the first step, and becoming educated about indebtedness may well be the final step in finding peace financially.