There are a few pathways you can take in your pursuit of credit card debt forgiveness. Mohd Izzuan/Getty Images

Credit card debt has become a source of financial strain for millions of Americans, especially as interest rates have remained at or near multi-decade highs throughout 2025. Right now, for example, average credit card APRs sit above 22%, which means every month of carrying a balance exacts a much higher cost than it did just a few years ago. And, the pressure that adds is especially acute now, with serious payment delinquencies rising and many households juggling record-high revolving balances alongside still-elevated living costs.

Against this backdrop, the idea of having your credit card debt forgiven — not chipped away at slowly — may be understandably appe

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