Whether you are paying off credit cards, student loans or other kinds of debt ... the lender might be willing to work with you by lowering your interest rate, adjusting your payment schedule and more.

Let's say you have three credit cards with balances of $1,000, $2,000, and $3,000. You would pay as much as possible to the ...

credit cards already allow you to spread payment for purchases out over time. After all, you don't have to pay off your balance every month. You can pay for purchases over time if you're willing ...