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Many low- to middle-income Americans move in together out of financial need rather than personal choice, often inflicting an emotional and physical toll, according to a new survey.

About 44% of the respondents reported that they, a friend, or a family member is in a co-living arrangement mainly for financial reasons.

The NHP Foundation (NHPF), a nonprofit provider of affordable housing, asked 500 people to describe these types of living arrangements and what, if any, hardships are associated with them.

The highest percentage (52%) of those reporting a financially driven co-living situation are individuals with a total household income of less than $50,000 a year, and 50% of that group entered into such situations less than two years ago, according to NHPF.

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