If you can’t stand the thought of owing money

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Of course all debt it bad because it’s costing you money every day, so this is a personal choice. If you can’t stand the thought of owing money, keep living as frugally as possible and paying as much as you can each month. If the interest rate is low, and you’d rather pay a little interest each month and be able to splurge on yourself once in a while, go ahead and do that.

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