The economy is posing problems for many Americans. Inflation has remained stubborn for months, and a growing number of Americans are struggling with rising credit card debt. The number of Americans making less than the minimum payment required rose from 8% to 13% in 2025 alone, according to the National Foundation for Credit Counseling. Worse yet, more Americans are turning to their homes to pay off debt through cash-out refinances. Cash-out refinances account for 59% of all refinance transactions in the ...