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Holiday loan debt can sneak up on even the most budget-conscious Ontarians. What starts as a manageable monthly payment can become a burden when interest accumulates or when unexpected life expenses arise. Many Ontarians find themselves caught in a cycle of making minimum payments, rolling over balances, or even borrowing more just to keep up. This can lead to chronic financial stress and damage to credit health over time. If you’ve already borrowed and are now facing the consequences, you’re not alone. Support is available to help you understand your options, regain control, and move forward with confidence



