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Hey everyone, I've been really stressed out lately because my credit card debt has gotten way out of hand. I racked up about $5,000 over the past year, mostly from emergency expenses and some impulse buys I regret. 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.

I've thought about consolidating or calling the credit card company to negotiate a lower rate, but I'm not sure where to start or if that would even help. It’s hard not to feel overwhelmed and a bit ashamed, especially when I compare myself to friends who seem to have their finances together.

Has anyone else dealt with something similar? What helped you stay motivated or get your debt under control? Any tips for negotiating with credit card companies or managing payments better would be really appreciated.

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