{"id":113026,"date":"2023-09-14T09:32:00","date_gmt":"2023-09-14T13:32:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=113026"},"modified":"2023-09-15T11:13:03","modified_gmt":"2023-09-15T15:13:03","slug":"national-credit-card-debt","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/","title":{"rendered":"What&#8217;s Causing the US National Credit Card Debt Crisis?"},"content":{"rendered":"\n<p>What\u2019s behind rising <a href=\"https:\/\/www.shortform.com\/blog\/credit-card-debt-in-america\/\">credit card debt in the US<\/a>? What are its impacts? What can be done to address the crisis?<\/p>\n\n\n\n<p>US Credit card debt has surged to over $1 trillion for the first time, signaling financial distress for many Americans. Persistently high inflation paired with rising interest rates are making credit card debt increasingly unmanageable and putting financially vulnerable Americans at greater risk.<\/p>\n\n\n\n<p>Here&#8217;s what&#8217;s causing the national credit card debt crisis, and how you can avoid and pay off your debt.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-us-credit-card-debt-is-exploding\">US Credit Card Debt Is Exploding<\/h2>\n\n\n\n<p>In July, US credit card debt exploded to <a href=\"https:\/\/www.axios.com\/2023\/08\/07\/credit-card-debt-1trillion\" target=\"_blank\" rel=\"noreferrer noopener\">over $1 trillion<\/a> for the first time ever, signaling financial peril for millions of Americans struggling to keep up with payments. As interest rates continue to climb, the mountain of debt threatens to bury consumers and undermine the US economy causing a national credit card debt crisis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-short-history-of-credit-card-debt\">A Short History of Credit Card Debt<\/h3>\n\n\n\n<p>For decades, credit card debt has steadily risen in the US, falling sharply <a href=\"https:\/\/apnews.com\/article\/federal-reserve-credit-card-debt-interest-rates-a2e1d35cb957153058d188652570c48e\" target=\"_blank\" rel=\"noreferrer noopener\">just twice in recent history<\/a>\u2014during the 2008 recession and the Covid-19 pandemic.<\/p>\n\n\n\n<p>Today Americans are maxing out their cards again: In the second quarter of 2023, credit card debt increased by <a href=\"https:\/\/www.reuters.com\/world\/us\/us-household-debt-largely-unchanged-q2-credit-card-balances-jump-ny-fed-says-2023-08-08\/\" target=\"_blank\" rel=\"noreferrer noopener\">$45 billion<\/a>, reaching a total of $1.03 trillion.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/apnews.com\/article\/federal-reserve-credit-card-debt-interest-rates-a2e1d35cb957153058d188652570c48e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>40% of adults in households earning less than $100,000 annually<\/strong><\/a><strong> say their debt has increased,<\/strong> compared with 25% for households earning above that amount.\u00a0<\/li><li><strong>50% of Black and Hispanic adults say their household debt has risen,<\/strong> compared with 30% of white adults.<\/li><li><a href=\"https:\/\/www.marketplace.org\/2023\/02\/20\/credit-card-debt-is-rising-again\/\" target=\"_blank\" rel=\"noreferrer noopener\">Adults in their 20s and 30s are struggling<\/a> to pay their monthly bills in full.<\/li><\/ul>\n\n\n\n<p>Experts attribute the rise in debt to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.wsj.com\/personal-finance\/credit-card-debt-interest-rates-money-fd1e65f7\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Strong consumer spending<\/strong><\/a>, including on nonessential items like travel and clothing.<strong>\u00a0<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/apnews.com\/article\/federal-reserve-credit-card-debt-interest-rates-a2e1d35cb957153058d188652570c48e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Rampant inflation<\/strong><\/a>, which has driven up prices for necessities like food, housing, and gas, forcing more Americans to rely on credit.\u00a0<\/li><li><a href=\"https:\/\/www.reuters.com\/world\/us\/us-household-debt-largely-unchanged-q2-credit-card-balances-jump-ny-fed-says-2023-08-08\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ongoing Federal Reserve interest rate hikes<\/strong><\/a> that have caused the average credit card Annual Percentage Rate (APR)\u2014the extra money you have to pay when you borrow on a credit card\u2014to <a href=\"https:\/\/www.cnn.com\/2023\/08\/08\/economy\/us-household-credit-card-debt\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">approach 21%<\/a>, making carrying balances more expensive.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consequences-of-soaring-credit-card-debt\"><strong>Consequences of Soaring Credit Card Debt<\/strong><\/h3>\n\n\n\n<p>Skyrocketing credit card debt and high APRs can have ripple effects on Americans\u2019 financial lives and across the US economy, potentially leading to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>More money being <\/strong><a href=\"https:\/\/www.marketplace.org\/2023\/02\/20\/credit-card-debt-is-rising-again\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>diverted to interest payments<\/strong><\/a><strong>\u2014leaving less for Americans to save or spend. <\/strong><\/li><li><strong>Increased risk of missed payments and financial hardship.<\/strong> Higher interest costs make it harder for people to pay their credit card bills on time. This leads to penalties, damages credit, and reduces access to affordable credit. <\/li><li><strong>Increased bankruptcies. <\/strong>The weight of unmanageable credit card debt can force more consumers to declare bankruptcy, which can devastate people&#8217;s finances for years.<\/li><li><strong>Dampening of the economy<\/strong>. Consumers who devote larger portions of their income to debt payments are less able to spend on discretionary items\u2014sending ripples across sectors and slowing GDP growth.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-steps-for-paying-off-debt\">Steps for Paying off Debt<\/h3>\n\n\n\n<p>The book <a href=\"https:\/\/shortform.com\/app\/book\/the-barefoot-investor\/preview\" target=\"_blank\" rel=\"noreferrer noopener\"><em>The Barefoot Investor<\/em><\/a> recommends these steps to pay off your debts one by one:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>List your debts.<\/strong> List your debts from smallest to greatest.<\/li><li><strong>Renegotiate your interest rates. <\/strong>Tell your bank that you\u2019re considering transferring your credit balance to another bank that won\u2019t charge you fees for 18 months. Ask them to renegotiate your interest rate and waive your annual fee.<\/li><li><strong>Get rid of your credit cards. <\/strong><\/li><li><strong>Pay off your debts one at a time, starting with the smallest.<\/strong> Pay off your smallest debt as quickly as possible, while making the minimum payments on your other debts.<\/li><li><strong>When you pay off a debt, celebrate. <\/strong>The author suggests burning your credit card bills with a lighter. Apply the money you <em>were<\/em> paying on the now paid-off debt toward paying off the next smallest debt on your list.<\/li><li><strong>Repeat until you\u2019ve paid off all of your debts.<\/strong><\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"<p>What\u2019s behind rising credit card debt in the US? What are its impacts? What can be done to address the crisis? US Credit card debt has surged to over $1 trillion for the first time, signaling financial distress for many Americans. Persistently high inflation paired with rising interest rates are making credit card debt increasingly unmanageable and putting financially vulnerable Americans at greater risk. Here&#8217;s what&#8217;s causing the national credit card debt crisis, and how you can avoid and pay off your debt.<\/p>\n","protected":false},"author":8,"featured_media":113027,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[81,31],"tags":[727],"class_list":["post-113026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics","category-money","tag-articles","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What&#039;s Causing the US National Credit Card Debt Crisis? - Shortform Books<\/title>\n<meta name=\"description\" content=\"National credit card debt has reached an all-time high in the US. Here&#039;s what&#039;s causing the debt to climb, and how you can pay off your debt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What&#039;s Causing the US National Credit Card Debt Crisis?\" \/>\n<meta property=\"og:description\" content=\"National credit card debt has reached an all-time high in the US. Here&#039;s what&#039;s causing the debt to climb, and how you can pay off your debt.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-14T13:32:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-15T15:13:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1112\" \/>\n\t<meta property=\"og:image:height\" content=\"737\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Hannah Aster\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hannah Aster\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\"},\"author\":{\"name\":\"Hannah Aster\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/f39f52830e4f7039a16e45d12354542f\"},\"headline\":\"What&#8217;s Causing the US National Credit Card Debt Crisis?\",\"datePublished\":\"2023-09-14T13:32:00+00:00\",\"dateModified\":\"2023-09-15T15:13:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\"},\"wordCount\":629,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg\",\"keywords\":[\"Articles\"],\"articleSection\":[\"Economics\",\"Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\",\"name\":\"What's Causing the US National Credit Card Debt Crisis? - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg\",\"datePublished\":\"2023-09-14T13:32:00+00:00\",\"dateModified\":\"2023-09-15T15:13:03+00:00\",\"description\":\"National credit card debt has reached an all-time high in the US. Here's what's causing the debt to climb, and how you can pay off your debt.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage\",\"url\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg\",\"contentUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg\",\"width\":1112,\"height\":737},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.shortform.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What&#8217;s Causing the US National Credit Card Debt Crisis?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\",\"url\":\"https:\/\/www.shortform.com\/blog\/\",\"name\":\"Shortform Books\",\"description\":\"The World&#039;s Best Book Summaries\",\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.shortform.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\",\"name\":\"Shortform Books\",\"url\":\"https:\/\/www.shortform.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png\",\"contentUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png\",\"width\":500,\"height\":74,\"caption\":\"Shortform Books\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/f39f52830e4f7039a16e45d12354542f\",\"name\":\"Hannah Aster\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0302cb2690b70a21639bc6873e587f42d39d02385b7e59d8efd0d3e000ae7681?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0302cb2690b70a21639bc6873e587f42d39d02385b7e59d8efd0d3e000ae7681?s=96&d=mm&r=g\",\"caption\":\"Hannah Aster\"},\"description\":\"Hannah is a seasoned writer and editor who started her journey with Shortform nearly five years ago. She grew up reading mostly fiction books but transitioned to non-fiction writing when she started her travel website in 2018. When she's not writing or traveling, you can find Hannah working on home reno projects, crafting, or taking care of plants.\",\"knowsAbout\":[\"Graduated summa cum laude with a bachelor's degree in English and minors in professional and creative writing\"],\"jobTitle\":\"SEO Team Lead\",\"worksFor\":\"Shortform\",\"url\":\"https:\/\/www.shortform.com\/blog\/author\/hannah\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What's Causing the US National Credit Card Debt Crisis? - Shortform Books","description":"National credit card debt has reached an all-time high in the US. Here's what's causing the debt to climb, and how you can pay off your debt.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/","og_locale":"en_US","og_type":"article","og_title":"What's Causing the US National Credit Card Debt Crisis?","og_description":"National credit card debt has reached an all-time high in the US. Here's what's causing the debt to climb, and how you can pay off your debt.","og_url":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/","og_site_name":"Shortform Books","article_published_time":"2023-09-14T13:32:00+00:00","article_modified_time":"2023-09-15T15:13:03+00:00","og_image":[{"width":1112,"height":737,"url":"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg","type":"image\/jpeg"}],"author":"Hannah Aster","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Hannah Aster","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#article","isPartOf":{"@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/"},"author":{"name":"Hannah Aster","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/f39f52830e4f7039a16e45d12354542f"},"headline":"What&#8217;s Causing the US National Credit Card Debt Crisis?","datePublished":"2023-09-14T13:32:00+00:00","dateModified":"2023-09-15T15:13:03+00:00","mainEntityOfPage":{"@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/"},"wordCount":629,"commentCount":0,"publisher":{"@id":"https:\/\/www.shortform.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage"},"thumbnailUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg","keywords":["Articles"],"articleSection":["Economics","Money"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/","url":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/","name":"What's Causing the US National Credit Card Debt Crisis? - Shortform Books","isPartOf":{"@id":"https:\/\/www.shortform.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage"},"image":{"@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage"},"thumbnailUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg","datePublished":"2023-09-14T13:32:00+00:00","dateModified":"2023-09-15T15:13:03+00:00","description":"National credit card debt has reached an all-time high in the US. Here's what's causing the debt to climb, and how you can pay off your debt.","breadcrumb":{"@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#primaryimage","url":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg","contentUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg","width":1112,"height":737},{"@type":"BreadcrumbList","@id":"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.shortform.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What&#8217;s Causing the US National Credit Card Debt Crisis?"}]},{"@type":"WebSite","@id":"https:\/\/www.shortform.com\/blog\/#website","url":"https:\/\/www.shortform.com\/blog\/","name":"Shortform Books","description":"The World&#039;s Best Book Summaries","publisher":{"@id":"https:\/\/www.shortform.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.shortform.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.shortform.com\/blog\/#organization","name":"Shortform Books","url":"https:\/\/www.shortform.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png","contentUrl":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2019\/06\/logo-equilateral-with-text-no-bg.png","width":500,"height":74,"caption":"Shortform Books"},"image":{"@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/f39f52830e4f7039a16e45d12354542f","name":"Hannah Aster","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0302cb2690b70a21639bc6873e587f42d39d02385b7e59d8efd0d3e000ae7681?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0302cb2690b70a21639bc6873e587f42d39d02385b7e59d8efd0d3e000ae7681?s=96&d=mm&r=g","caption":"Hannah Aster"},"description":"Hannah is a seasoned writer and editor who started her journey with Shortform nearly five years ago. She grew up reading mostly fiction books but transitioned to non-fiction writing when she started her travel website in 2018. When she's not writing or traveling, you can find Hannah working on home reno projects, crafting, or taking care of plants.","knowsAbout":["Graduated summa cum laude with a bachelor's degree in English and minors in professional and creative writing"],"jobTitle":"SEO Team Lead","worksFor":"Shortform","url":"https:\/\/www.shortform.com\/blog\/author\/hannah\/"}]}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2023\/09\/pile-of-credit-cards.jpg","_links":{"self":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts\/113026","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/comments?post=113026"}],"version-history":[{"count":1,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts\/113026\/revisions"}],"predecessor-version":[{"id":113052,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/posts\/113026\/revisions\/113052"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/media\/113027"}],"wp:attachment":[{"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/media?parent=113026"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/categories?post=113026"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shortform.com\/blog\/wp-json\/wp\/v2\/tags?post=113026"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}