Americans in their early 20s are saddled with more credit-card debt than people their age in previous generations. Wall Street Journal personal-finance reporter Oyin Adedoyin joins host J.R. Whalen to discuss how they accumulated so much debt, and ways to pay it off.\n\n\n\nSign up for the WSJ's free Markets A.M. newsletter.\xa0\n\nLearn more about your ad choices. Visit megaphone.fm/adchoices