That's where debt consolidation and other financial options come in.

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.

With fixed-rate credit cards becoming more difficult to find, and the average annual percentage rate (APR) for variable-rate credit cards just over 16% as of this writing, you could save thousands of dollars by refinancing credit card debt with a low-interest personal loan.

Fortunately, applying online usually doesn’t take more than a few minutes.

Although student loan consolidation must be separate from credit card debt consolidation, we can put you in touch with student debt consolidation specialist who can assist you.

Call us at Direct and FFEL are two federal loan programs that provide loans to education borrowers eligible for financial aid. However, it still exists to provide consolidation and repayment plans for FFEL loans that already exist.

If you need help getting out of debt, you are not alone.

Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.

We’re on your side, even if it means we don’t make a cent.

' With so many websites offering free financial tools, it can be hard to know whom to trust.

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