Credit Card Crash-Test

Every day, average American families' financial health is challenged on all fronts: fewer job opportunities, declining home values, and rising prices for necessities like health care, education and child care. With the prospect that gas could approach $4 per gallon this summer, many Americans' budgets will reach a breaking point. Too many families are only a layoff or medical emergency away from financial ruin.

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This article was originally published in The Washington Post.