Struggling with Credit Card Debt


Ask AWN (2)Please note:  This Field Problem™ has been edited to protect personally identifiable information. Because it is a common issue for military members and their families, we’re bringing it to you.


Dear AWN,

My husband is in the Army and we have a lot of credit card debt. It is a struggle to pay them each month along with other bills. Any suggestions on the best way to deal with our credit card debt so we have some financial freedom?

Thank you for your time!
Concerned Army Wife


Dear Concerned Army Wife,

Thank you for writing to Army Wife Network.  Credit card debt can be difficult to get out from under.  Thankfully, there are some resources available to Army families that may help.

First of all, I would highly recommend taking the Dave Ramsey Financial University workshop designed specifically for military families.  Have your husband check with his unit chaplain or the Religious Support Office, who may be able to tell him when and where the next workshop will take place.

Another resource is Army Community Services.  They offer financial readiness assistance.  Information about all the benefits available to soldiers can be found by following this link,

Additionally, Military One Source,, has some great information about getting out of credit card debt.

Hope you find this information helpful.  Please let me know if I can be of further assistance to you.

Best wishes,
Field Problems™ Expert
Army Wife Network



About Field Problems™

Field Problems™ is a self-syndicated column brought to you by Army Wife Network, LLC. Having made its debut in June 2006, Field Problems™ is a question and answer column geared toward empowering Army, National Guard, and Reserve spouses and families by providing real answers to common issues. AWN's desire to help military families by catering to individual needs, offering advice, and providing real-life, researched solutions to the issues many families face in today’s military (aka “Field Problems“), is a genuine effort to change the lives of our warriors! Have other questions? To submit your Field Problem™, e-mail Please include your first name, location, branch of service, and years in/associated with the military. Questions may be edited for length and clarity. Field Problems™ reserves the right to read on the air and/or publish on its Web site or in any other form the emails and letters that we receive. By sending us a letter or email, you agree to these terms. Solving the problems of Army families where it matters the field.

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