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Many so-called "consolidation" programs can prove not to consolidate debt at all.

Thus, debt consolidation has rightfully begun to earn a bad reputation.

For more information on the best debt consolidation loans and credit management options, have a look at our articles on debt consolidation.

Do you want to be debt-free, or do you intend to rack up new debt as soon as you eliminate the debt you have now.

If the debt you possess is for something that increases in value, don't feel guilty about it.

If you have multiple credit card accounts or loans, consolidation may be a way to simplify or lower payments.

If you are thinking about debt consolidation, you might want to first consult a non-profit credit counselor.

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