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How is consumer debt different today than in the past? What role do interest rates play in mounting consumer debt? What are the typical interest rates applied to credit cards, mortgages, and other debt? Many of today s interest rates are variable rather than fixed.

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How is consumer debt different today than in the past? What role do interest rates play in mounting consumer debt? What are the typical interest rates applied to credit cards, mortgages, and other debt? Many of today s interest rates are variable rather than fixed. What difference does this make to pension plans, housing loans, and other personal finances?