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When does it make sense to consolidate your debt? And what does debt consolidation even mean nowadays? Let’s find out.

Here’s what we cover in today’s video:
0:00 Debt Consolidation Loans vs Debt Consolidation Programs
6:20 Debt Consolidation Pros and Cons
9:45 Is Debt Consolidation Worth It?

Music I use: https://www.bensound.com
License code: PDWQYUJVHJVIVTPH

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Video Title: Remove Late Payments Fast! How to Dispute & Avoid Debt Consolidation Traps

Join Our Community:
Don’t forget to like ????, comment ?????, and subscribe ???? to stay updated with our latest videos. Share this video with anyone who might find it helpful! ????

Thanks for watching, and here’s to taking charge of your credit health by effectively handling late payments! ????????

#LatePayments #GoodwillLetter #CreditRepair #FinancialHealth #ManageDebt #ImproveCredit #CreditScore #PersonalFinance #FinancialLiteracy #DebtManagement #CreditCounseling #CreditTips #PreventLatePayments #CreditEducation #FinanceTips #Budgeting #ConsumerFinance #CreditStrategies #FinancialPlanning #CreditAwareness #CreditManagement #CreditSolutions #CreditAdvice #CreditImprovement #CreditReport #FinancialWellness

In this video, I’ll show you exactly how to pay off credit card debt so you can get out of debt, save money, and increase your credit score. We’ll cover everything from lowering your credit cards interest rates and balance transfers, to the best 0% interest credit cards, plus debt snowball and avalanche methods, debt consolidation, and budgeting. By the end, you’ll know exactly how to pay off your credit card debt fast.

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???? Other videos you may like:
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https://youtu.be/0jAgVX1P0TQ?si=LtPhNLu8bdvEbdc3
https://youtu.be/D4fT4mUrCyI?si=wrFhShjbgzAbDZuQ
https://youtu.be/WkS8lu2QGms?si=WRNap4u8V5gl0UJ8
https://youtu.be/Q5fDZk0yuVE?si=2v_9vqgZ35BYt_Tg

DISCLAIMER: I am not a lawyer,CPA, lender, realtor or a financial advisor. The content in my videos should not be taken as legal, tax, financial advice, etc, and may or may not be outdated or inaccurate as the time this video was posted. It is your responsibility to verify all information from the video on your own. This is a YouTube video for Entertainment purposes ONLY. If any company is mentioned is because Dayanaplays has an interest in them. Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a commission or referral bonus. PLEASE DO NOT make buying or selling decisions based on Dayanaplays videos. If you need advice, please contact a qualified professional as I am not one

Today I’m going through my student loan debt pay off strategy and kicking off my debt free journey. I’ll be looking at the exact amounts I owe in student loans, why I want to pay them off now, and how I am using my annual budget to determine how much I can realistically pay each month while still saving for my financial goals and unexpected expenses. Finally, we end with making my first payment.

Thank you for watching. If you enjoyed this video and would like to see more content like this, consider liking the video and subscribing to follow my financial freedom journey.

Resources / Links Mentioned
Try YNAB 34 Days Free! https://ynab.com/referral/?ref=NGjR9aw384rLUfFn
If you would like, you can support my channel by buying me a Coffee. Any support will go towards paying off my student loans buymeacoffee.com/averysmoneymoves
Follow me on instagram: https://www.instagram.com/averys.money.moves
Email Inquiries: averysmoneymoves@gmail.com

Videos / Channels Mentioned:
My New Budget for 2025: https://youtu.be/z8ESackGTU4?si=C1ky6oM4bcW8DLIQ
https://www.youtube.com/@laurensmoneymindset Budget Spreadsheet: https://www.etsy.com/listing/1031721868/budget-spreadsheet?click_key=c2c52960388acf4c0598098de1c63e60adbda5f2%3A1031721868&click_sum=140bfb16&ref=shop_home_active_7

Chapters:
Intro: 0:00
How much I owe + Why pay off my loans now?: 1:04
Using my annual budget to determine the amount I can pay each month: 8:11
Making a payment!!: 23:11

A little about me:
My name is Avery, I’m 26 years old and I live in Ohio. I make a gross salary of $60k a year and have $18.5k in student loan debt. My channel is all about my financial freedom journey, going from a low income childhood to a (hopefully) financially prosperous adulthood.

tags:
How I paid off my student loans, how to lower student loan payments, how to pay back student loans fafsa, how to pay off student loans fast, I paid off my student loan, student loan repayment, my student loan strategy, paying off debt on a low income, paying off $22k in student loans, how to pay off all your loans, paying off student loans, repayment of education loan, save student loan plan, federal student loan repayment options, advantage student loans repayment, why you should pay off student loans, how can I pay off my student loans faster, how to get rid of student loan debt, how to reduce student loan debt, how to become debt free, benefits of being debt free, debt free journey, paying off debt journey, create a realistic debt payoff plan

Pros and Cons of Debt Relief & Settlement

#debtconsolidation #debtfree #licensedinsolvencytrustee

These companies appear in Canada every few years, usually during a recession. Many of them originate from the U.S.

They’ll spend money on huge advertising campaigns, take people’s money and then go out of business before leaving Canada.

Personal finance expert Seth Godwin explains how these companies operate.

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In this video I share some extreme money saving tips that helped us to pay off debt and maintain a debt-free lifestyle that brings us so much freedom!

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HEY YOU!!! Did ya know that you support our channel by watching, liking and subscribing! Some links may be affiliate and they do NOT cost you extra! Thank you for supporting F2F!!! Xoxo

Getting started on defense, and getting started on discovery are key to self defense in debt cases. For help defending yourself correctly and powerfully from debt collectors, check us out at https://YourLegalLegUp.com.

One of the first steps in defending yourself in debt litigation is beginning discovery – you should not wait for the debt collectors to start their discovery before you start yours.

i return to osrs

socials:
https://www.twitch.tv/gunschilli (watch me live)
https://www.twitter.com/gunschilli (read my poop)

Nintendo music used:
(pastebin coming soon)

Other Music used:

Bang Bang – Nancy Sinatra (cover by Alexa Melo)
https://www.youtube.com/watch?v=QYp5hUAo7XM
www.alexamelo.com

Rivals – Hallmore (psy trance song)

Shout out to my friends at Scuff Unit

Thank you to my Patrons:
Squeezy
Seven Kris
Manolo Ramos
Dan Branch
iTwiist TV
Kyle Stevenson
Corey A
Complextro
sktwisted
Vallun

Upstart Loan Review, Personal loans, Debt Consolidation, Loan Requirements,Credit Score, Loans from $1,000 up to $50,000 , 7.46% APR, 3-5 yr terms

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Upstart Is a company that offers many loans at low interest rates for its customers. They offer Credit card Consolidation Loans, Moving Loans, Debt Consolidation Loans, Wedding Loans, Home Improvement Loans, and Medical loans. If you are approved you can receive your loan in 1 business day. There are low rates, set up automated monthly payments, and there’s no penalty for paying off your loan early.

Upstart offers next business day lending, lower rates than most credit cards,and no prepayment penalty.

Upstart borrowers must have a minimum FICO or VANTAGE score of 620 as reported by a consumer reporting agency.

Upstart will check your Debt to income ratio, and you must have no bankruptcies, no currently delinquent accounts, & fewer than 6 inquiries in the last 6 months.

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