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Some people prefer a DIY debt management plan, while others benefit from simplified singular payment of a debt consolidation loan.
“Debt consolidation really depends on the person and the type of debt,” Germano said.
The following four steps will walk you through calculating how much debt you have, choosing the debt consolidation loan, setting a timeline to be debt free and teaching you how to control your spending.
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. There are two categories: a federal Direct Consolidation Loan and private consolidation or refinancing options.
This makes the most sense when the personal loan has a lower interest rate than you’ve got across your existing debts.
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.
It is also not a fit if you do not have a consistent source of income that more than covers your monthly payment.
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