With the Federal Reserve about to raise interest rates for the first time in four years, Joyce Diffenderfer is beginning to wonder how she and her husband, Curtis, will deflect the growing cost of their $16,000 in credit card debt.

• 当美联储可能在四年多以来第一次升息，那些债务负担沉重的家庭已开始为如何应付债务加快增长而犯愁。