When she was in her 20s, Carmen Perez thought she’d always be in debt. In fact, at one time she owed $57,000. But she paid off her debts, and gained a fresh perspective. Today, the CEO and founder of the Much budgeting app and creator of the personal finance blog, Make Real Cents, shares tips on how to use debt as a tool to further your goals. As she says, "you're only one decision away from a totally different life."

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