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Advice: Create a budget, reduce living expenses and earn more money (USA Today)

With $165,000 in student loan debt and additional debt on her credit cards, Heather Schopp is struggling just to pay the minimum payments each month. Financial planner says create a budget, reduce living expenses and earn more money.

With $165,000 in student loan debt and additional debt on her credit cards, Heather Schopp is struggling just to pay the minimum payments each month. Financial planner says create a budget, reduce living expenses and earn more money.