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Debt consolidation involves combining, or consolidating, all of your debts into one at the lowest interest rate possible.

Taking out a debt consolidation loan can affect your credit score.

Debt consolidation programs usually consist of a loan to pay off the sum of your other debts.

It does not forgive your debt or even reduce it, but it does help you manage your debt by rolling it all into one monthly payment.

Keep in mind, though, that there are normally transfer fees involved in moving balances from one form of debt to another.

Debt consolidation loans were created for the primary purpose of consolidating your debt.




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