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You’ll not only have more options and solutions available to you, it will ease your stress and you may even sleep better (we find this is true with more than 60% of the people that we help).

A debt consolidation loan is when someone borrows money and then uses that money to pay off other debts.

However, there are specific instruments called debt consolidation loans, offered by creditors as part of a plan to borrowers who have difficulty managing the number or size of their outstanding debts.

Creditors are willing to do this for several reasons – one of them being that it maximizes the likelihood of collecting from a debtor.

Or, it might make sense to consolidate high interest rate debts into one monthly payment with a lower interest rate.

A loan with a longer term may have a lower monthly payment, but it can also significantly increase how much you pay over the life of the loan.

View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.

student loan is subject to completion of a loan application/consumer credit agreement, verification of application information, credit qualification, and a benefit to borrower determination.

Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).




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