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To get out of debt, you need to develop a couple of habits. Debt freedomis not something that happens overnight. It is also, admittedly, not an easy feat to accomplish. You will go through a lot of sacrifices and temptations. You need to hold steady to your commitment to pay off all your credit obligations so you can maximize your financial position. As with any endeavor, your journey to get out of your debt situation will be filled with lessons. These lessons come with an opportunity to develop habits that will allow you to change your behavior when it comes to managing your money. If you want to make debt freedom last long, you need to change the habits that you had prior to getting into debt. Of course, that is easier said than done. Americans, it seems, are notorious for their preference to get into debt. In fact, an article published on CNBC.commentioned that 8 out of 10 Americans are in debt. This data was taken from a study done by Pew Charitable Trusts about the debt of American consumers. If you think that this is limited to young people with student debt and those with mortgages. Believe it or not, a lot of people are starting to carry debt right into their retirement. Apparently, debt is not choosing an age. All generations alive today have some form of debt to their name. What makes all of this scary is the fact that almost 7 out of 10 Americans think that being in debt is a necessity. Although they would prefer to not be in debt, they believe that it is something they cannot avoid. For instance, if you want to own a home, you need to borrow money in order to afford it. The cost is just too high for you to wait and save up for it.