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... expression, "My mom didn’t want to worry me and my sister too much, so she lied to us saying it was just over a hundred thousand. I was thinking after paying off this hundred thousand, we could use the rest to improve our living situation at home, or even buy a flat in the town. But I didn’t expect, after my last visit home, my mom told me that our family’s debt was actually over eight hundred thousand."

Over eight hundred thousand!

That’s a significant amount of external debt! ...

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