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    Consolidating debt without

    Believe it or not, there are many unreliable and even predatory companies out there that will take advantage of you if you’re not careful, so you must do your research and understand how these options work and decide which get-out-of-debt method is right for you.Below, you’ll find concise explanations of the five major ways that Americans get out of debt: We’ve found that using traditional methods to search for information about these programs doesn’t work.The term “consolidation” is used to describe two very different credit-related services.The first type of consolidation is a debt consolidation loan.

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    Even if they are members of such organizations, though, be picky. So while the agencies and employees vary, the plans are all structured the same way: Your counselor determines how much it will take to pay your creditors in full in three to five years.Paying Off Your Debts Quickly Enrolling in a Debt Management Program Consolidating Loans Avoiding Bad Options Community Q&A It’s possible to pay off debt without harming your credit.In fact, the faster you pay off your debts the more your credit score will improve.This type of loan consolidation will typically reduce interest-rates but have longer repayment terms, which means your payments usually are lower.However, the longer repayment period may cost more in interest.

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