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Now, hopefully those types of questions might spawn a discussion that will be helpful. But the smart-ass cynic in me thinks "yeah, right, never happen".

IMO that means you're not "stuggling" with credit card debt if you could pay if off, but choose not to because you have money invested someplace else (where say you wouldn't pay a 10% penalty if you took the money out to pay off your cc).

I have fed student loan debt at a low interest. I don't feel I'm "struggling" to pay it, because I could pay it off with money in my e-fund (which granted is making a lower interest rate) but choose not to do so because worst case scenarios of dying or becoming perm-disabled it can be forgiven - no other debt is like that.
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