During the holiday shopping season, many consumers rack up hundreds or even thousands of dollars worth of debt on their credit cards that can be difficult to pay off.

Holiday debt can be burdensome for many Americans, but experts say that it doesn't have to be that way, especially in the long run, according to Boston, Massachusetts, television station WCVB. If borrowers take the time to create a repayment plan and stick to it conscientiously, even sizeable debts racked up during the recession can be paid off with minimal added interest charges.

Experts also suggest that consumers who have a good credit may be able to find strong balance transfer deals that will give them a zero percent introductory interest rate that may make their debt easier to handle going forward, the report said.

When dealing with finances, one aspect that some consumers may overlook is the importance of keeping close tabs on their credit reports. These documents may contain items that weren't legally reported, which can unfairly lower a credit rating and make it more difficult to obtain credit cards with favorable interest rates and introductory offers.