The number of Americans with debt is at an all-time high. U.S. consumers are carrying $17.5 trillion in personal debt, according to the Federal Reserve Bank of New York, and more than three-quarters of U.S. adults have some form of debt, including mortgages and student loans.  On top of that, consumers are increasingly spending more to try to bring that debt down. The average household spent more than 11% of their disposable income on debt payments in the last quarter of 2025, the Federal Reserve says.  While repaying debt can’t be avoided, there’s a simple way to reduce the amount of money spent on those payments.  Accredited Debt Relief is a leading debt consolidation company that has helped more than 1 million clients take meaningful steps toward getting out of debt.…