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A colorful, semi-realistic cartoon depiction of a young adult with glasses, seated at an office desk covered in various financial documents like bills and credit reports. The man is looking at a laptop displaying debt information, including a pie chart and a debt list. The scene includes a calculator, a notepad full of notes, a coffee cup, and a bookshelf stocked with finance books, with a suburban view through the window.

In 2023, the average individual household debt balance reached $104,215, marking a slight increase from the previous year, …