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Debt consolidation is nothing more than a con because you think you're starting with a clean slate.But the truth is the debt is still there, as are the habits that caused it—you just moved it!Consumers with good and excellent credit (720 and above) frequently see rates between 6% and 10% which is significantly lower than credit card rates and competitive with other methods of financing.

I’ll later describe my methodology for choosing these three companies as the best debt consolidation loans online.Paying down debt with a personal loan is a great solution for many Americans.They can help those stuck carrying large balances on credit cards making small or minimum payments-especially if the interest rates on your credit cards are higher than you would have with a personal loan.You can’t borrow your way out of debt in the same way you can’t get out of a hole by digging out the bottom.Getting out of debt isn’t quick or easy, but it’s the first step to achieving lasting financial health. It simply means you’re taking out one loan to pay off a bunch of loans—or consolidating the debt to one payment.




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