Credit card debt balances can easily spiral out of control if not addressed appropriately. Yaroslav Kushta/Getty Images

With the end of 2025 just weeks away, many adults may find themselves reflecting on the past year and their overall financial health. Unfortunately, the reality is that many still find themselves struggling with the burden of debt, with credit card debt specifically remaining a major concern now. The average American owes thousands of dollars in credit card debt right now and that's during a time in which the average credit card interest rate sits over 20%, just under a record high. For these borrowers, it pays to start thinking about the ways to regain their financial freedom in the new year.

Credit card debt forgiveness may offer the solution. This uni

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