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RED TO BLACK: HOW TO PAY OFF CREDIT CARDS AND STUDENT LOANS

Resistance is the enemy within.

—Steven Pressfield, The War of Art1

In a cartoon published by The New Yorker, a handsomely dressed man and a pearl-wearing woman are sitting at their chic kitchen table staring at one another before dinner. The man slowly leans over to the beautiful woman and says, “Love you, love us, and I'm comfortable with our debt level.”

Debt has snuck its way into the lives of millions of Millennial. The problem, of course, is that it never wants to sneak out. Debt is like the unannounced visitor who shows up and wants to crash on your couch “just for a few days.”

If you want to escape debt, there is only one way to do it, and you must to it right. If you don't, ...

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