By Melissa Lambarena, NerdWallet

When debt feels overwhelming, it can be hard to imagine how any general one-size-fits-all advice can lead to financial freedom. Financial therapists suggest that a relationship with money is emotional and behavioral, but becoming debt-free is not far from reach if you make your own path.

A good starting point is to acknowledge and normalize your feelings around debt, according to Dr. Christine Hargrove, a certified marriage, family and financial therapist who serves as assistant director of the Love and Money Center at the University of Georgia, which offers clinical training, client services and outreach programs. A key is to recognize that debt is temporary and not absolute or final.

That temporary state can get shorter with one small proactive actio

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