It's no secret that people have a hard time saving for retirement, what with all the bills—including credit card debt—lingering after the Great Recession.

In addition, one problem seniors face in keeping afloat after retirement is the debt they bring with them into retirement—everything from medical bills and college loans for themselves and their kids and grandkids to—you guessed it—credit card debt.

In fact, lots of people are working longer just to be able to pay off their bills so that they can save for retirement.

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