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American households are carrying an average of nearly $16,000 of credit card debt, which translates into more than $2,000 in finance charges and fees each year, according to the Federal Reserve. Even with statistics like these, freedom from debt is an achievable goal for every family. The first step in regaining control is to take an honest look at your overall financial picture. The experts at Money Management International have developed a “debt test” to help consumers’ asses their financial standing. To view Multimedia News Release, go to http://www.multivu.com/mnr/52437-mmi-offers-advice-for-paying-down-debt-do-you-pass-the-debt-test