Have $45,000 worth of credit card debt? Here’s how much you could get forgiven.

Credit card debt has become increasingly difficult to escape over the last several years, and it’s especially tough to do so in today’s borrowing environment. Part of the issue is that credit card interest rates have remained stubbornly high despite multiple Federal Reserve rate cuts late last year, and at the current average rate of nearly 22%, many card users are paying hundreds of dollars…