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depends on how good you are with your finances.

You can easily get too much debt if you are not careful doing those kind of things. Most people just check that the debt payments fit in their budget, but they forget their budget might shrink.

US families are drown into debt, in fact most families live paycheck to paycheck, so i wouldn't give that advice of using debt event without interest. I would only give such advice to people I already know that can take care of themselves financially. (As in know how to actually manage money, not about being rich or poor)

And there is another benefit of paying in the act: its off your mind, one less thing to worry about. Might not be the most efficient but is the the one that makes you worry less.




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