When Is It Smart To Consolidate Student Loan Debt?

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In this episode we discuss when its appropriate to consolidate debt into a new mortgage, and pay off higher interest credit cards

For more information, click on this link: https://www.debt.com/how-to/consolidate-credit-card-debt-on-your-own/

No two debt problems are alike. While you and your neighbor may both be in debt, your financial situations can be very different. So, the solution that works for them may not be the best choice for you. To find the right way to consolidate credit card debt, you must carefully consider your credit, budget and elimination goals.

DIY debt consolidation takes careful planning and discipline, but it is possible to consolidate debt without professional help.

If you have multiple credit card balances that you need to pay off, debt consolidation can help you get out of debt faster. You find a way to roll all your balances into one monthly payment. The goal is to reduce or eliminate APR, so you can focus on repaying what you owe instead of throwing money away on interest charges.

Still, do-it-yourself debt consolidation doesn’t work in every situation. You need good credit, plenty of free cash flow in your budget and the right amount of debt for it to be effective. You also need the discipline to cut back on your budget, stop charging, and focus on debt repayment. If you can do that, then you should be able to successfully consolidate credit card debt on your own.

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Today’s Credit Myth: “I Read that If I Consolidate My Debts, I Will Pay A Lower My Monthly Payments & My Scores Will Increase. Is this True?”

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In this video, I will be going over my best ways to consolidated credit card debt. It is away tough to know that you have a lot of money that you will need to pay in order to get out of debt, but it is more difficult to deal with the amount of interest that you will pay over the life of the debt. I don’t want anyone to have to pay that much money in interest to I will give you two of my tips to consolidate that debt into a lower payment and minimize the interest.

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Ways to consolidate credit card debt:
1. Open a Credit Union Account – The reason why this works is because credit unions have always had very low rates for their loans and even their credit cards. If these loans are out there then you will want to take advantage of them.

2. Open 0 APR Credit Cards – Obviously with this option it is opening up another credit card which is not the best option because you have to first be approved for it and if you have bad credit you might not get approved. Second you are more likely to abuse more credit if you do have the option. The benefit is that you will not pay a dime in interest for however long you have the promotional period for.

List of APR Credit Cards:
Capital One Silver Card – 0 APR for 15 months
https://applynow.capitalone.com/?irgwc=1&external_id=IRAFF_ZZ9382e493a9894343b38f121b8ca1f01f_USCIR_K156490_A344893L_Ccc5efcbbN43a611e98e0d0e15c89fd8c_S&applicantkeyid=&productId=5497&IARC=AFF
Citi Double Cash Back – 0 APR for 18 on Balance Transfers (Favorite)
https://citicards.citi.com/usc/LPACA/Citi/Cards/DoubleCash/External/index.html?BTData=GHK.B.gAB6f.J.Bvz.MX5c.OUg.kqQ.BJ.wb!.Bj.Cd.Gy.E&app=UNSOL&sc=4T5ZVGW8&m=XCK2111111W&B=M&ID=3000&uc=J4L&t=t&cmp=AFA~01~120201~CARDSACQ~CreditKarma&aff_placement_id=151918065&AID=13563188&PID=2569276&SID=32298762425&cjevent=a91c6a5c43a611e9804003910a24060b&ProspectID=8233BE8D5F7E4191BC3B64E1050FE404
Amex Blue Cash Everyday Card – 0 APR for 15 months
https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/?eep=26129&extlink=af-us-ccsg-BCELM&irgwc=1&veid=2ZPTl-23gxyJRKuxTp3WVUkrUkl0KnWhRXGR140&affid=156490&pid=IR&affname=Credit%20Karma&sid=11011820007&pmc=795&BUID=CCG&CRTV=controlaffcps&MPR=01

Student loan consolidation is very often confused with student loan refinancing. I’m breaking down the difference between student loan consolidation and refinancing, how they impact you if you have only federal, only private, or both private and federal student loans, and why may or may not want to do them.

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http://www.nomoredebts.org/canhelp/debt-consolidation-loan-options/debt-consolidation-using-a-debt-management-program.html Learn how a debt management program works and consolidate your credit card debt into one monthly payment. Call us today. 1-888-527-8999

How to consolidate credit card debt using three different methods.
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If you want to know how to get rid of credit card debt, then you’re watching the right video. I’ll be covering why you’d want to consolidate credit card debt, which has to do with your credit utilization score and credit card interest.

I’ll also be covering 3 unique ways to consolidate credit card debt that I believe work the best. Getting a personal loan, balance transfer offers and cash-out refinancing are the three ways to consolidate credit card debt that I’ll be covering.

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