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The concept of debt can be daunting and overwhelming especially when you’re struggling to pay back what you owe. However, debt is not meant to cause you stress or anxiety because at some point in life we may need to borrow to pay for a house, car or a one-off expense. It is important that prior to taking on any debt you understand what it entails, such as any interest or charges that could be implemented if you are unable to make your repayments on time.