It is common knowledge that the average American carries more than $8,000 in credit card debt. Learning how to live debt free is something that a debt management company can help with. There are many counseling services that offer credit counseling, financial counseling, and debt consolidation that can help you consolidate your debt, work out a debt reduction worksheet, and pay off your current debt, and live within your budget. Seeking the help of experienced christian debt programs can help you pay off your debt, and formulate a budget that you can live with.