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Consolidating debt mortgage refinance
Then you can focus on repaying that personal loan, which requires just one monthly payment and, ideally, has a lower interest rate than what you were paying across multiple debts (it may not have a lower rate, but it’s in your best interest to find the lowest one you can).
If you know that you’re not great at keeping up with your payments without someone reminding you to, looking into credit counseling or debt management options is a good idea.” According to Germano, a good rule of thumb is this: Consolidation is not a good option if your debt is more than 50 percent of your income.
It is also not a fit if you do not have a consistent source of income that more than covers your monthly payment.
“Depending on the type of consolidation, there are firms that will negotiate any sort of debt that’s out there,” said Rod Griffin, director of consumer education for the credit bureau Experian.
“There may be restrictions by the lender, but generally, most debts can be consolidated or settled.” You can take out a personal loan to pay off existing debts and then work to pay off that loan over time.
Above all, the approach has to match the need and the comfort level of the borrower.
Some people prefer a DIY debt management plan, while others benefit from simplified singular payment of a consolidation loan.
Debt consolidation usually involves obtaining a personal loan that pays off all of your unsecured debts.
Then, instead of making multiple payments at high interest rates, you have only one payment to make at lower interest.
There are also a variety of private lenders that will allow you to consolidate either private or federal student loans.
By using debt consolidation loans, you can save considerably — sometimes up to 40 percent of the total debt.