My friend only had $5,000 in credit card debt when she asked me for help paying it off. Compared to the average person carrying credit card debt, that is far from a worst case scenario. However, this friend had an hourly job at a local drug store, far from a high income that can knock down debt thousands of dollars at a time. Like many paycheck-to-paycheck Americans, she had little savings and her income didn’t go far. Here’s how she paid off all of her debt and started saving for a better future.