Got one cut out when I was a kid. Cost about $400.
Dad said from now on, cut them out yourself.
Cut many out since then, mostly near the top edge of the toe, but occasionally get that nasty one near the back of the nail that requires a lot of blood and profanity (but is oddly satisfying when you pull it away from the cuticle base).
Gotta keep the nails short but not "rip them off" short, and make sure that sock fabric doesn't build up in the corners.
If you have to fix them, do it when it first starts hurting. Otherwise, a pocket knife and whiskey are your only free options.
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