There's no question that today's economic landscape is making it tough for borrowers to keep up with, much less get ahead of, their debt. Not only are credit card balances climbing , but credit card rates have remained elevated over the last few years, too. And, that's occurring as other issues, like rising inflation and a declining job market, are taking a big toll on people's finances. In turn, more borrowers are looking for ways to reorganize what they owe, not just to lower costs, but to

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