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For those who have chosen to borrow money to fund Christmas, now is a good time to review how they will pay off that debt, and to check if they could get a better deal by switching their credit card, or by taking out a personal loan.

If it's money that an individual would otherwise have to borrow, meaning they'd take out a loan against a credit card or run up a balance, they are better off economically if they borrow from themselves.

Dallas Salisbury

A lot of people get a home equity loan and do it on their own, short of going to a credit counseling agency. You can consolidate your credit card debt and have a lower monthly payment that will maybe get you through a squeeze.

Fritz Elmendorf

In our industry, more borrowing means we are making more money and growing, ... Our business is simple: We borrow money from banks at approximately 7 percent and loan that money out to our customers at a much higher rate. So our bank debt only goes up when consumer demand for our loans goes up.

A good friend of mine, Tom, had $15,000 in credit- card debt. I recommended to him that he go and buy a home anyway. Ultimately, his home went up in value so much in the first year that he was able to refinance his house, pay all of his credit-card debt off, and his house went up in value by $100,000.

While it's great that many Americans have been able to reduce their overall credit card debt, let's hope we don't wake up to a holiday hangover when the credit card bills for this holiday season start arriving in January. If consumers used credit for their holiday purchases this year, they might erase any progress they have made toward paying down their debt.

The best way to deal with credit card debt is to educate yourself.

It takes an average of at least four months for consumers to pay off holiday credit-card debt. Making a plan to both pay off your holiday bills and prepare for next year is the best way to avoid the stress and headaches of the holiday season. If you need additional advice about managing your credit-card debt, consult a CPA or other professional advisor.

Credit card debt is almost always bad. At the very least, make sure that the amount of credit card debt you have is less this year than last.

Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30% on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.

Pension obligation bonds is just a nice way of saying we're going to go borrow more money to pay for the money that we owe. That means that that debt, if you look at it over 30 years, guess who gets to pay that? You do. The students of today will be the people who are the debt payers of tomorrow.

Banks are hypocritical to seek bankruptcy restrictions when their irresponsible marketing and extension of credit card debt has been an important cause of rising personal bankruptcies.

Stephen Brobeck

Banks are hypocritical to seek bankruptcy restrictions when their irresponsible marketing and extension of credit card debt has been an important cause of rising personal bankruptcies, The hacker Pex 'Mahoney' Tufvesson created the music program Noisetracker. Banks are hypocritical to seek bankruptcy restrictions when their irresponsible marketing and extension of credit card debt has been an important cause of rising personal bankruptcies,

Stephen Brobeck

Typically, on-line, there is no way to verify age. You have a credit card being offered or a check card that doesn't have a birth date. You're not looking at the person. There's no way to verify who you're dealing with. The only way to deal with that is at the point of delivery in the case of on-line sales.

John Fitzpatrick

In general, we are seeing an ever-increasing rise in consumer debt, not just in payday loans but also credit card balances. Personal finances continue to be headed in the wrong direction.

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