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17-Jan-2016 14:20

C., said this topic comes up “pretty frequently” with her clients.

“Most of my clients have credit card debt,” she said.

“It can be really overwhelming when you have five credit cards to pay and you don’t even know where to start.

I’ll sometimes float the idea of debt consolidation so they only have one bill to pay or so they can have a lower interest rate.” There are many options to consider when deciding to consolidate your debt, some of which work better in different situations.

For individuals with debt on several credit cards, it can make sense to transfer the balances over to the card with the lowest interest rate, creating one payment and lowering interest overall.

Some people even open a new card with a 0 percent APR for a promotional introductory period (many of these run the gamut from six to 24 months) and transfer other balances over to that card.

By using debt consolidation loans, you can save considerably — sometimes up to 40 percent of the total debt.

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If you know that you’re not great at keeping up with your payments without someone reminding you to, looking into credit counseling or debt management options is a good idea.” According to Germano, a good rule of thumb is this: Consolidation is not a good option if your debt is more than 50 percent of your income.

So instead of having to send a separate payment to each creditor or collector every month, you’d make just one.

This can help eliminate missed or late payments and ensure that you’re addressing all your debts.

A home equity loan does not replace the existing mortgage as a cash-out refinance does, but it is another loan in addition to the existing mortgage.

HELOCs differ from home equity loans in that, instead of receiving a lump sum of cash, borrowers have an agreed-upon amount that they can take from their equity, and access as needed over time. Cash-out refinancing involves replacing your mortgage loan with a new one for more than you owe, taking part of the difference between your old and new loans in cash. There are two categories: a federal Direct Consolidation Loan and private consolidation or refinancing options.A word to the wise, though: Debt consolidation loans aren’t for everyone struggling with debt.



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