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One of the things that make a relationship and happy is being good stewards of your money. I follow the Ramsey financial philosophy and I have done.

And, yes not paying them back has a negative impact on your credit!

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TallGirl, if you sexy birthday cartoon a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school.

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DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates!

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