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How do you pay your debt?

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Do you have debt, how are you paying your debt? Do you pay variable interest rates or are your interest rates fixed? Do you have monthly payment cycle or quarterly payment cycle?
 
I currently do not owe any money. I borrowed from my sister while in school, but I managed to repay her when I found an online job. I have learned from my experiences with debt, so I prefer not to borrow anymore. I also had to pay off a credit card debt over a year. Good thing, I have an online job.
 
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