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Carrying credit card debt from month to month has never been cheap, but the past few years have made it considerably more expensive for the average borrower. After all, credit card interest rates climbed to historic highs and largely stayed there, making it easy for the interest charges to compound quickly. And, if you’re juggling…

When credit card debt becomes overwhelming, many turn to debt consolidation as a potential lifeline. This strategy can take various forms, each with its own set of advantages and considerations. Some opt for personal loans to combine their debts, while others explore balance transfer credit cards or work with debt relief companies to negotiate with creditors. Each approach aims…