Scott is the founder of This site and the author of Credit Card and Debt Management, How to be more Credit Card and Debt Smart and Talk Your Way Out of Credit Card Debt.

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Howard Dvorkin, author of Credit Hell: How to Dig out of Debt and founder of Consolidated Credit Counseling Services, an organization that provides education on debt and a debt management program, says that according to one survey consumers are exposed to 300-400 advertisements every day.

We can never have too much credit card education, and it’s helpful if it comes from many different angles including parents, teachers, and even credit card companies.

Consumer credit counseling agencies are a great, free resource for consumers needing a little extra help with budgeting, planning, or even setting up a debt repayment plan, otherwise known as a Debt Management Plan DMP.