Credit card is such a bummer. The debt of Americans is increasing, according to NerdWallet. People are having a hard time talking about debt and dealing with it. People don’t want to talk about it and that’s probably why they approach it in the wrong way. If you’re in debt here’s how to kill it off.

• When paying off debt, pay the minimum amount on the ones you owe the least money. The ones that you owe the most, pay whatever amount you can afford at the time.
• Pay off the smallest debts first.
• Pay close attention the interest rates.