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I have about $3,000 in debt, mostly since I bought my house and have splurged on some repairs and improvements. I also took a big pay cut for my current job and don't have the ability to save the way I would like to anymore. I was about $20k in debt at one time (mostly from credit card use in college and right after), but managed to get it all paid off by working lots of overtime at my old job. Luckily my credit is nearly perfect now, so the debt I carry has a rate of only 2.99%.
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