 Money News at 10 and 40 past the hour, brought to you by PenFed. Great rates for everyone. Here's Mark Hamrick. Here's a plan to get out of debt. I'm Mark Hamrick with a bankrate.com personal finance minute. The National Foundation for Credit Counseling recently said that two out of every five households were carrying credit card debt month over month. That could be costly since credit card interest rates are in the double digits.