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A debt consolidation loan combines multiple loans into one. This can make it considerably easier for someone to get a handle on their debt because instead of having 10 credit card bills to tally and review they only have the one consolidated loan. Many services will also negotiate special incentives the credit card companies to make repayment easier. Many companies and non-profits offer debit consolidation loans or services so make sure to carefully review each plan as the costs will vary dramaticly.
You can use the calculators to see how much money you can save.
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