Financial stress has a way of sneaking up on people. All it takes is one high-rate credit card balance here or a personal loan there, and suddenly you're juggling five monthly payments that barely move the needle on the balance. It's a scenario millions of Americans are navigating right now, as inflation is driving up costs and consumer debt is continuing to climb . So, it's hardly a surprise that debt consolidation has become a popular option for those trying to lower and simplify their debt

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