This Program will teach you how to start managing your own debt through understanding your debt. This program will also teach you about your spending habits. You will learn how to know what fees you are being charged and how to cut these fees and lower you total debt. You will learn about your interest rates, late fees, over credit limit fees, transfer fees and how you can lower these fees and save yourself money. Work Sheets are provided along with directions on how to use these Work Sheets. You will begin by listing your individual credit card information and your retail store account information to learn your debt situation. YOU WILL LEARN TO BECOME IN CONTROL OF YOUR CREDIT - NOT YOUR CREDIT CONTROLLING YOU.