At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America’s luxury lifestyles-helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships-or helping those who aspire to these lifestyles. Up to Our Eyeballs reveals the disturbing reality that credit cards are in fact the new “safety net,” being used by desperate middle- and low-income families to manage essential expenses.

In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fa

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