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During the 2008 financial crisis and for two years after that, Americans lowered their outstanding consumer debt. However, according to the Federal Reserve, that debt is now rising. The amount of increase in 2012 was 5.9 percent. Likewise, credit card debt now averages $4,878 per family. You can use a credit card payoff calculator like that provided by Half A Payment™ to determine how long that would take to eliminate.