• Find out how long it will take you to pay off your credit-card debt, with a Scrooge-O-Meter:

www.lssmn.org/debt/scroogecalculator

• Learn from others, in a series about financial recovery:

www.startribune.com/fixups

• Find credentialed debt counselors near you:

National Foundation for Credit Counseling: www.nfcc.org

U.S. Department of Justice: www.usdoj.gov/ust/eo/bapcpa/ccde