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yea, lots of cc debt in here. I guess that doesn't surprise me, but still, if I had any outstanding cc debt, I sure wouldn't be even thinking about modifying my car, or even owning one necessarily. educational debt and mortgages are necessary evils of a sort- sure, you have debt, but that's better than trying to save up for 20 years to buy a house outright and renting in the meantime, or not going to graduate school for 10 years because it costs so much.
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