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Consolidating Your Credit Card Debt Under a debt consolidation plan, terms and conditions change, it will allow you to pay your current debts in 3-6 years. The purpose of debt consolidation is to speed up your paying time and at the same time makes lower monthly bills.You have to make sure that the new cost of the consolidated loan is truly less than what you are currently paying for to the various creditors. Not getting the lowest available interest rate has always been a problem faced by consolidation loa...

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