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A January 2013 Ohio State University study found that young people are racking up debt at a much higher rate than older generations, and they're also paying it off more slowly.

"To them, having credit card debt is just status quo," Solomon says.

Credit counselors say that perception is what prevents many of their clients from seeking help sooner. boxes or to a different address, and they may not take steps to fix the problem because they're working so hard trying to keep up appearances.

Not only are they unwilling to talk about their debt with strangers, a growing number are hiding financial problems from their spouses, family members and friends, says Michael Mc Auliffe, president of Family Credit Management, a Chicago-based nonprofit consumer credit counseling agency. "Clients would tell us they were spending 0 to go out on a Saturday night because they didn't want to tell their friends what was going on," Mc Auliffe says.

The overall amount of credit card debt dropped 8.8 percent in 2009 and 7.6 percent in 2010, before leveling out in subsequent years, according to the Federal Reserve.

The poll also found Americans less willing to talk about their debt than they were five years ago, when the recession was just beginning to take shape.

About 85 percent of Americans said they are reluctant to chat about their credit card debt with someone they first met, compared to 80 percent who gave the same answer in an identical poll conducted in 2008.

"Now, we've got people coming in who talk about how their relatives and friends and neighbors are going back to work and are back on their feet, and they're wondering, 'What's wrong with me?

'" Younger people more open The poll found that the older you are, the more reluctant you may be to talk about your credit card debt.

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