Household budgets aren't just being stretched thin by a mix of rising inflation , high borrowing costs and a rough economy right now. They're being completely reshaped in real time. With credit card rates hovering above 21% on average and stubbornly high everyday expenses, many Americans are finding themselves stuck between mounting balances and limited cash flow without room in their finances to cover both.  That reality is forcing a shift in how people think about resolving what they owe on

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