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Nearly $40,000 in debt and living paycheck to paycheck, Katia Chesnok reached a breaking point in 2017.
She says she accrued much of the debt by using credit cards and living above her means. “If my friends had this cellphone or this car or were traveling from place to place, I was doing the same. But I didn’t have the money to do that,” says Chesnok, now 32.
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