One out of five consumers say that they cannot pay their monthly credit card or loan balances at least some of the time, according to a survey Standard & Poor's Corp. released Wednesday.

Fourteen percent of the respondents said they sometimes could not pay off their balances, and 6% said they were always unable to do so, S&P said. Another 8% said they could make only the minimum payment, and another 8% said they always or sometimes pay less than the minimum.

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