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I get where you’re coming from—sometimes you just need to breathe, and lowering that monthly outflow is the only way to do it. But I’ve watched people roll credit card debt into their mortgage, feel relief for a year or two, then rack up new balances because the root habits never changed. It’s a short-term fix unless there’s a real plan to attack the principal. Not saying it never works, but I’d be careful about thinking it’s a magic bullet.
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