The national annual percentage rate on credit cards remained steady last week at 14.96%. Americans currently save about 5% of their earned income, and they’ve been able to pay off household debt in amounts that have created an 8.6% rate of decline in total debt since 2008. In comparison, the United States accrues an extra $4 billion in debt every single day–$2.63 million per minute. This explains the current level of total national debt, at $14.8 trillion and growing. At this pace, the country will be in an additional $4.2 trillion of debt, totalling $19 trillion by the year 2015.