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I never thought I'd get into this much credit card debt, but here I am, about $8,000 behind across two cards. It’s not like I went on a crazy shopping spree or anything—I’ve just had some unexpected car repairs and medical bills hit me all at once. Every month I try to pay more than the minimum, but it feels like I’m barely making a dent, and the interest just keeps piling up. Honestly, it’s been weighing on me so much. I catch myself avoiding calls or even checking my statements because the stress feels overwhelming. I’ve looked into balance transfer cards and budgeting apps, but I’m not sure if they’ll actually help or just make things more complicated. Has anyone else been in a similar jam? How did you manage to get a handle on it without feeling completely lost? Any tips or just some encouragement would mean a lot right now.

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