If you feel like you're dealing with more debt than usual, you're not alone. Americans now pay an average $1,237 per month to their creditors, up 3.2% from last year, according to Experian. For some people, that much debt is manageable with their incomes. For others, it strains their budgets, putting them at risk of falling behind on their debt payments, utilities, and rent. Whether you're thinking about taking out a personal loan to consolidate debt or to finance replace a major appliance in your home, y ...