Credit counseling and debt relief can both be useful tools for getting out of debt, but there are some factors to weigh before deciding. may1985/Getty Images

The math is brutal. At an average interest rate of 22% , all it takes is a revolving credit card balance of a few thousand dollars to find yourself in serious trouble, especially as the interest charges compound over time. Yet this scenario describes what millions of Americans are facing right now, as the collective credit card debt is now sitting at $1.21 trillion nationwide .

With inflation and other economic stressors also adding to the issue, the traditional advice of "just pay more than the minimum" rings hollow for a lot of borrowers. That's why more borrowers are now exploring the options they have to regain

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