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Americans are loaded with credit card debt 

In 2012, the average American household with at least one credit card had nearly $16,000 in credit card debt, according to The average interest rate for this type of debt ran somewhere between 14% - 19% at any given time.

Of course, some debt is good. Borrowing for a home or college education usually makes good sense, considering return on investment. Then again, many people do not know how to balance their own financial lives. They borrow more money than they can afford to pay back, creating fiscal stress when there doesn’t have to be. Anyone looking to invest their hard earned money into real estate and their child’s education need to learn how to shop around for the best rates and best overall deals. Not every lending institution is created equally.