Debt consolidation is a financial strategy that combines multiple debts into a single payment or account to simplify repayment and potentially reduce interest costs. It can involve a new loan, a balance-transfer credit card, or a structured plan through a credit counseling agency. Understanding the mechanics, costs, and trade-offs helps you decide whether consolidation fits your situation and long-term financial goals.
Debt consolidation typically replaces several payments with one regular payment. Common methods...
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