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When done correctly, debt consolidation can: There are several ways to consolidate debt, depending on how much you owe.
It takes borrowers an average of 21 years to repay their student loans, while 28% of students are in default (or miss payments for 270 days or more) within five years of entering repayment.Consolidate Your Debt Now Debt consolidation is combining several unsecured debts — credit cards, medical bills, personal loans, payday loans, etc. Instead of having to write checks to 5–10 creditors every month, you consolidate bills into one payment, and write one check.This helps eliminate mistakes that result in penalties like incorrect amount or late payments.Not only does that simplify your debt payments, it can also help you save money.The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.