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All debt is not equal. High-interest debt (like credit cards with 30-40% APR) is destructive and must be cleared first. Repayment strategies include the Debt Avalanche (paying highest-interest debt first to minimize total interest paid) and the Debt Snowball (paying smallest balance first for psychological motivation).
If your EMIs are $1,000 and your monthly income is $4,000, your DTI is 25%. A DTI under 30% is generally considered safe.
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