High borrowing costs over the last few years, coupled with other economic hurdles, like high (and now rising) inflation and a tough job market, have left many borrowers with balances that are harder and more expensive to manage. And, while there has been some recent interest rate relief for certain types of loans, credit card rates are still hovering above 21% for the average borrower, making it difficult to chip away at what's owed without falling further behind. That strain is showing up in

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