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document.write("<div class=\"article_Comments\">USER COMMENTS >");
document.write("<h5>Seeking debt counseling is not a sign of failure</h5>");
document.write("Banks have huge debts, but they're getting a helping hand from the federal government. If you have overwhelming debt--perhaps from bad investments, or maybe a job loss, a medical crisis or just plain overspending--you're probably on your own. Check the website http://obamadebthelp2009.blogspot.com<br />to see if they can help. I am glad I did read it before I talk to my CC company and it helped - Jane Jim, California<br />. janejim");
document.write("<h5>Credit cards</h5>");
document.write("One thing I would suggest is that before a student gets a credit card, they get told that if they pay it off in full every month, they pay no interest. That way you make the bank work for you. But it's just stupid to start off with a big splurge of spending, then pay off only a bit each month while  rolling over the rest costing over 20% in interest. Delay gratification - it really pays in the long run!. doug");
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