If there was ever a good time to consider credit counseling, it’s now. April is recognized in the United States as Financial Literacy Month, and for a good reason. According to the results of the fifth annual Financial Literacy Survey released by the National Foundation for Credit Counseling (NFCC), most Americans lack the skills and understanding to make sound financial decisions.

According to the survey, more than two in five Americans give themselves a C, D or F in their knowledge of personal finance. What’s more, the survey reveals that credit card debt continues to plague Americans, with two in five Americans still carrying credit card balances from month to month.

“It is disturbing to note that more than half of adults do not maintain a budget or track their expenditures, the basic building blocks of financial stability,” said Gail Cunningham, spokesperson for the NFCC. “Since April is Financial Literacy Month, it is the ideal time for consumers to take control of their financial future, and for all Americans to invest in America’s collective future through a national commitment to financial education.”

If credit card debt continues to present challenges for you and your household, now is the time to seek help. Consider credit counseling services such as debt management and debt consolidation.