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  • Debt consolidation

    If you're struggling to repay your loans, manage your money, or make ends meet, you might consider consolidating your debts. Here, you'll roll your individual loans into one large loan, usually with a longer term and a lower interest rate, and make only one payment per month. You can take advantage of debt consolidation by transferring debts to a credit card with a lower interest rate or applying for a home equity loan or a debt consolidation loan. Interest rates may vary, and each method has distinct advantages and disadvantages you'll want to review.