 TITLE: Is a Debt Consolidation Loan Right For You? CONTENT: Make Plans for Responsible Credit Card Use\n------------------------------------------\nPaying off credit card debt can have a significant positive impact on your financial health, but only if you can avoid racking up balances again in the future. Use a budget to stay on top of your spending and avoid charging more than you can afford to pay off.\nAlso, make it a priority to monitor your credit regularly to keep an eye on any changes that could impact your ability to qualify for favorable credit terms in the future. As you take these and other steps to use your credit cards responsibly, you'll have a better chance of staying debt-free. END