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I am a single working mother of 3 teenagers raising my 3yr old niece and taking care of my mom. I have exhausted all of my credit cards to pay for their needs as in school clothes and supplies, etc. I am really trying to catch up, however, with the mortgage, car note, and other bills, it has been really hard. I really just want to catch up and be debt free so that I can focus on them getting into college and being able to help them when they graduate. 

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