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A lot of people are struggling to pay off debt. But despite that, the consumer debt problem of Americanswill be here to stay. The use of credit is the norm in this country. We use credit cards to pay for the most trivial of purchases. We use it to pay for our dinner in a restaurant. We use it to pay the groceries. When we need to buy a house, we borrow money for that. Some people cannot buy a car without a car loan. Millions of students are able to get a higher education because they borrowed student loans. The consumer debt situation of the average consumer is actually quite alarming. Based on the statistics consolidated by ZeroHedge.com, 33% of Americans with student loans are currently behind their payments. This data is taken from the US Department of Education. Not only that, 43 million Americans have some form of medical debt that is left unpaid. These are problems that we need to solve because debt is powerful enough to destroy lives. Of course, getting out of debt is not an easy task. When you are faced with more than a hundred thousand dollars worth of student loans, it will feel like forever to completely pay off debt. This is why you need to use superhero qualities if you want to solve your personal debt situation.