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If the interest rate you get for a debt consolidation loan is not lower than the average interest rate you already were paying on your credit cards (see above), then a debt consolidation loan does you no good.
There are alternative loan possibilities such as home equity loans or personal loans, but neither helps if you can’t improve the interest rate you’re paying or the repayment period is so long it doesn’t make sense.
In other words, if you’re ready to turn your financial life around, debt consolidation can help do it.
Nearly everyone losing the battle with debt has this conversation with themselves every month. It gives you a reachable goal to meet every month and eventually lets you breathe again financially.
Instead, there is one payment to one source, once a month. There are two major forms of debt consolidation – taking out a loan or signing up for a debt management program that doesn’t include a loan.
It’s up to consumers to decide which one best suits their situation.
The chase to catch up with your bills will never end.
Here’s what they had to say about their situation: “The debt was very stressful and paying bills was something I dreaded doing each month…After I got referred by the financial adviser on base, I knew after our meeting with the CCCS […] We had the pleasure of talking with Doris Green, a new homeowner that participated in our First Time Homebuyer Workshop in March.
Her journey towards homeownership began in 2008 with a one-on-one homebuyer session.
Established in 1965 as local non-profit, Consumer Credit Counseling Service of the Savannah Area, Inc.
(CCCS) has delivered money management solutions to individuals and families.