1. The problem states that $D(t)$ represents the total average credit card debt in a U.S. household (in thousands of dollars) $t$ years after 1995. 2. We are given $D(24) = 20.3$. This means when $t=24$, the average credit card debt is 20.3 thousand dollars. 3. To interpret this, we find the year corresponding to $t=24$. Since $t$ counts years after 1995, the year is: $$1995 + 24 = 2019$$ 4. The value $20.3$ means the average credit card debt is 20.3 thousand dollars, or 20,300 dollars. 5. Therefore, the interpretation is: In the year 2019, the total average credit card debt for a U.S. household will be 20,300 dollars.