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Feeling like you have no money? You have lots of company. In fact, nearly 40% of Americans are carrying credit card debt from one month to the next, while 1 in 4 admits they don't pay all of their bills on time.

That information comes from the latest financial literacy survey from the National Foundation for Credit Counseling.

The organization represents thousands of debt counselors, who offer these top nine reasons for that financial hole you're in -- plus some tips for climbing out.

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