Many Americans are facing major financial challenges as we enter the second half of the year, and for good reason. Inflation not only remains elevated but is climbing , and borrowing costs are still high, too. Household debt also continues to climb, leaving some borrowers, particularly those with high-rate credit card debt , struggling to keep up with their monthly payments. The job market is also tough, and if you're one of the many who have experienced a job loss on top of those challenges,

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