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The landscape surrounding personal and household debt is daunting, with U.S. household debt at a staggering $17.94 trillion, reflecting profound reliance on credit. High-interest credit card loans, now averaging nearly 22%, exacerbate this predicament. As individuals engage with their debt, differing responses emerge. While some have turned to cutting expenses and focusing on repayments through strategic approaches, others find themselves caught in an overwhelming cycle of debt as the pressure to maintain lifestyles dictated by social media and cultural expectations persists.