Student Debt & Loan Consolidation

This holiday season, you may be tempted to use gift cards as a convenient way to buy a present for someone who’s notoriously tough to buy for. Don’t do it. Give cash instead. Here’s why - it has nothing to do with etiquette or propriety and everything to do with the mechanism of gift cards. Gift cards feel like cash to consumers. They have a preset dollar amount and you use them to buy things. The catch is this - gift cards are not cash. Gift cards are actually a form of debt issued by the

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