Things aren't particularly easy for borrowers right now, and that's especially true for those carrying a revolving balance month to month. Between today's high borrowing costs ,  persistent (and rising) inflation pressures  and  record levels of household and credit card debt , budgeting for both the costs of essentials and debt payments has become a difficult balancing act for many Americans. And, that's even true for some who took proactive steps to enroll in a debt relief program . While

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