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Keep in mind that this is different from debt settlement in that you’re not negotiating a new amount owed.

Instead, you keep the same amount of debt but pay it off in a different way.

Debt consolidation is nothing more than a con because you think you're starting with a clean slate.

Instead, your credit counselor works with your creditors to consolidate your debt into one convenient monthly payment.

Debt consolidation loans allow borrowers to roll multiple old debts into a single new one, ideally at a lower interest rate.

Compare loans for debt consolidation and learn about your options for consolidating debt.

With a debt consolidation loan, a lender issues a single personal loan that you use to pay off other debts, such as balances on high-interest credit cards.

You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.




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