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    It all depends what you borrow money for.

    I borrowed £27,000 to buy my property and did not pay it off completely for 25 years.

    Someone else puts £15,000 on his Credit Card to buy a brand new car, have a 'much needed' holiday and to keep his fat spawn topped up with buckets of KFC, though pays it off over 10 years.

    Who is the most sensible in dealing with debt?

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