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Americans are carrying more credit cards than ever, with the average person holding more than five cards — and nearly seven in some cities — according to a new WalletHub analysis.

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Borrowers who struggle with high-interest debt often turn to personal loans to help pay it off, but without a change in habits debt can become a cycle.

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Debt forgiveness could put a serious dent in a $15,000 balance, but the true savings depend on several key factors.