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In recent years, American consumers have weathered a storm of economic uncertainty, from unpredictable tariffs to lingering inflation and job market anxieties. This volatile environment has catalyzed a striking shift in financial behavior — moving away from the impulsive spending frenzy known as “revenge spending” that followed the pandemic, toward a more disciplined and prudent
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As the U.S. Department of Education reignites its machinery for “involuntary collections,” we find ourselves on the precipice of a financial catastrophe dubbed the “default cliff.” This isn’t just a minor inconvenience for millions of Americans; it poses a staggering threat to their financial stability and creditworthiness. The uptick in student loan delinquencies isn’t just
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