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You enter how much you owe, the interest rate and what you think you can pay each month. The results might be shocking—you could be looking at decades before you have things under control again.

With a car loan or mortgage, you can work out a lower rate using your property as collateral.

Also, find and review directories of companies that provide debt help, as well as alternative options to getting a loan for bill consolidation.

Use the menus above to find these online services and their websites, that provide various kinds of debt relief, including credit counseling and consolidation loan programs.

These menus are organized by type of service or the state that you live in. Advertisers of Debt Consolidation Services that do not Include Loans.

You may want to apply for a consolidation loan if you’re struggling to make your minimum monthly payments on your credit cards, line of credit or overdraft.

Or, it might make sense to consolidate high interest rate debts into one monthly payment with a lower interest rate.




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