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Americans have faced a range of difficult economic issues over the past few years, many of which have had a big impact on their finances. For starters, while inflation has cooled compared to recent highs, many essentials, including housing, groceries and healthcare, now have much higher price tags than they did in 2020 and 2021. That, in turn, has forced many people to rely on credit cards to bridge the gap between income and expenses. But for millions of Americans, what started as a…
