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My biggest mistake was getting a consolidation loan. I thought it would solve my credit card debt problem. It didn't. I still had the debt. I still had the stress. And now I had another loan payment too. What I wish someone had told me back then is that people with more than $20,000 in credit card debt may qualify for the Debt Relief Program. If approved, you could lower your monthly payment and get out of credit card debt years faster than making minimum payments. The qualification check is free and takes about 2 minutes. If you have a regular source of income and over $20,000 in credit card debt, tap "Apply Now" and see if you qualify.