Learn how debt consolidation works, what your options are, and how it can simplify your monthly payments.
???? Get Freedom Debt Relief ? https://bit.ly/4nIfpE4
???? Get National Debt Relief ? https://bit.ly/3SdMsRS
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Learn how debt consolidation works, what your options are, and how it can simplify your monthly payments.

Timestamp Sections:
00:00 Intro
00:51 What is Freedom Debt Relief
01:54 What is National Debt Relief
02:42 How Freedom Debt Relief Works?
04:26 How National Debt Relief Works?
05:40 Plans & Pricing
06:21 Freedom Debt Relief Benefits
07:23 National Debt Relief Benefits
08:18 Considerations
09:19 Final Thoughts
09:36 Outro

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Overview of Freedom Debt Relief and National Debt Relief
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In today’s video, I’m sharing my personal experience and a detailed review of two of the biggest names in debt consolidation: Freedom Debt Relief and National Debt Relief. Freedom Debt Relief uses a strategy called debt settlement where you save money into an FDIC-insured account, and they negotiate to settle your debts for less than you owe — no upfront fees or credit checks required. Meanwhile, National Debt Relief focuses more heavily on actually reducing your total debt through negotiations. Both companies have helped hundreds of thousands regain financial control, but their approaches and features are slightly different, and I’ll help you understand which might be the better fit for your situation.

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How Their Programs Work
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Both companies make the debt consolidation process surprisingly simple and accessible. Freedom Debt Relief starts you off with a free consultation, setting up a step-by-step plan, and provides helpful tools like a 24/7 online dashboard and a Legal Partner Network for extra support if creditors escalate. National Debt Relief also offers a free consultation, requiring at least $7,500 in unsecured debt to qualify, and builds a personalized plan aimed at negotiating your debts down significantly. Freedom focuses more on transparency and ongoing support, while National leans into securing better discounts to help you pay off your debt faster.

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Costs, Benefits, and Final Thoughts
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When it comes to pricing, both services charge fees ranging between 15%–25% of your total enrolled debt, and only after a successful settlement is reached. Freedom Debt Relief stands out with its money-back guarantee and additional legal resources, offering peace of mind throughout the journey. National Debt Relief excels in aggressive negotiation strategies and being upfront about risks like potential short-term credit impacts. Freedom operates in 38 states, while National is active in 42, giving slightly broader coverage. Either choice can be a smart move if you’re serious about regaining financial freedom — check the links below if you’re ready to start your journey today!

Hope you enjoyed my How Does Debt Consolidation Work | Everything Explained Thoroughly Video.

It’s simple and stress-free:

? You make one affordable monthly payment based on your budget
? It gets paid to a registered Payment Distribution Agency (PDA)
? The PDA safely distributes the money to your creditors for you
? You receive a clear statement every month showing where your money goes

No more multiple bills. No more missed payments. Just one easy, managed instalment.

Take back control today ???? www.gautengdebtcounselling.co.za

#DebtReview #DebtCounselling #GautengDebtCounselling #TakeBackControl #DebtHelp #FinancialRelief

Does debt consolidation really work? Learn the pros, cons, and how to use it the right way to finally get out of debt. 4 years vs. 19 years…keep more money in your pocket. YOU CHOOSE!

See if you can get approved for a personal loan or debt consolidation loan that is right for you:
https://theyukonproject.com/product-comparison/compare-personal-loans/?swcfpc=1

Website: https://theyukonproject.com

Pay Off Credit Card Debt Faster | Our Free Payoff Calculator
https://theyukonproject.com/debt-payoff-calculator/

Video Chapters:
00:00 – Intro
00:22 – Debt consolidation explained
00:42 – Why debt consolidation DOESN’T work
01:03 – Consolidation can enable you to grow your debt
01:27 – How consolidating can make it easier to pay off your debts
02:04 – Example of how debt consolidation can save you money
03:01 – How consolidating can speed up debt payoff
03:48 – How consolidating can give your monthly budget breathing room
04:15 – Summary: When consolidation works
04:44 – Use a debt payoff calculator to make a plan
05:07 – Where to shop for debt consolidation loans
05:47 – Like and subscribe!

Does Debt Consolidation Work? Here’s the Truth.

If you’re buried under credit card balances, you’ve probably wondered: Does debt consolidation actually work? The honest answer is: Yes—and No. It all depends on how you use it.

In this video, we break down exactly how debt consolidation works, when it doesn’t work at all, and how to use it the right way to actually get out of debt faster and save money.

? What is Debt Consolidation?
Debt consolidation means combining multiple debts (like credit cards) into one new loan. You use that loan to pay off your credit cards or other high-interest debts, leaving you with one monthly payment—ideally at a lower interest rate.

? Why Debt Consolidation Doesn’t Work for Everyone:
You still owe the same amount. It’s not magic—it’s a transfer.
If you consolidate and then run up your credit cards again, your debt situation gets worse.
It’s not a fix for overspending—it’s a tool, and it only works if used responsibly.

? When Debt Consolidation Does Work:
Lower Interest Rates = Big Savings
If you’re paying 22–31% interest on your credit cards, and you can consolidate into a loan at 16% or lower, you’ll save hundreds—even thousands—over time.
Example:
$19,000 in credit card debt at 22–31% APR = $759/month payment
$19,000 consolidated into a 16% loan = $540/month
You save $124/month in interest
Pay extra each month and get out of debt 12 months faster!
Fixed Loan Term = Debt Payoff Date
Credit card debt can linger for 16+ years with minimum payments. A consolidation loan gives you a clear finish line, like 48 months.
Monthly Budget Relief
Lower payments = breathing room. Going from $759 to $540 per month could be a game-changer if you’re barely making ends meet.

???? Do the Math First
Use our free Debt Payoff Calculator at The Yukon Project to see how different strategies (including debt consolidation) impact your total payments, interest, and time to payoff.

???? Find the Best Debt Consolidation Loan
Not sure if you qualify for a good loan?
Go to our Marketplace and check your rate.
Enter your loan purpose, amount, and credit score range.
We compare your info with 40+ lenders using a soft credit check (no impact on your score).
You’ll see real, pre-approved offers—and you’re never obligated to accept.

???? Key Takeaways:
Debt consolidation can work—if you lower your interest rate and don’t build up new debt.
It works best if it gives you structure, saves money, and creates monthly breathing room.
The key is in the math. Make sure it works for you.

???? You’ve Got This
At The Yukon Project, our mission is simple: help people get out of debt and live their best financial lives. We believe in you—and we’ve built the tools to help you get started.
? Like this video
? Subscribe to our channel
? Share it with someone who needs it

Together, let’s take the first step toward a debt-free future.

#DebtConsolidation #DebtRelief #PersonalFinance #CreditCardDebt #TheYukonProject #DebtPayoff #FinancialFreedom #MoneyTips #BudgetHelp #DebtHelp #HowToPayOffDebt #DebtStrategy #DebtConsolidationLoan

Are you wondering how debt consolidation works? Are you considering a debt consolidation loan?

National Debt Relief’s Financial Wellness Board Member Marc Russell will help you understand:

How debt consolidation works
Debt consolidation process
Types of debt eligible for debt consolidation
Benefits and risks of debt consolidation

Learn more about Debt Consolidation at:
https://www.nationaldebtrelief.com/resources/debt-consolidation-relief/?src=ytube.owned&aff_sub=howdebtconsolidationworks&aff_sub2=description

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National Debt Relief’s award-winning approach to debt relief helps people on their path to becoming debt-free as quickly and inexpensively as possible. Our Whole Human Finance approach to debt relief focuses on the “whole human” realities of debt and its impact, and supports our clients behaviorally, emotionally and psychologically during their debt relief journey.

National Debt Relief is rated A+ with the Better Business Bureau and has been ranked #1 in debt settlement by Forbes Advisor for two consecutive years. We’ve helped over half a million people resolve their debt, reclaim their independence and get their life back on track. We work with most major creditors and banks to reduce our clients’ debt, and we can help with most unsecured debt, like credit card debt, medical debt, personal loans, private student loans, collections, small business debt, and more.

For anyone with at least $7,500 in debt and feeling overwhelmed by it, call us for a free, no-obligation consultation to see how we can help. You can learn more about debt relief, managing expenses and more on our blog at https://www.nationaldebtrelief.com/blog/?src=ytube.owned&aff_sub=howdebtconsolidationworks&aff_sub2=description

We’re one of the top-rated and best debt relief companies in the United States.

Trustpilot: https://www.trustpilot.com/review/www.nationaldebtrelief.com?src=ytube.owned&aff_sub=howdebtconsolidationworks&aff_sub2=description

ConsumerAffairs: https://www.consumeraffairs.com/debt_counsel/national-debt-relief.html?src=ytube.owned&aff_sub=howdebtconsolidationworks&aff_sub2=description

To learn more, visit us at https://www.nationaldebtrelief.com/howitworks/?src=ytube.owned&aff_sub=howdebtconsolidationworks&aff_sub2=description

or call 800-485-0769

To apply for debt relief, please visit us at https://www.nationaldebtrelief.com/apply/?src=ytube.owned&aff_sub=howdebtconsolidationworks&aff_sub2=description

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For more information regarding this video, check out this link: https://www.debt.com/credit-card-debt/management-program/

How does a debt management program work?

With a debt management program, credit counselors negotiate with your creditors to accept a new payment plan and lower interest rates. Interests range from zero percent up to about eleven percent depending on the creditor.

All of the debts are consolidated into one monthly payment that works with your budget.

The large reduction in interest enables you to pay off the debt faster and more money each month goes towards principal. Most people complete the debt management program in about three to five years.

Enrolling in the program usually doesn’t have any negative impact on your credit score as long as you keep up with the payments. In fact, many people with low credit scores at the start of the program usually see their credit improve by completion. Since your creditors agree to the payment plan, it helps you build a positive credit history as you pay off your debt.

The best way to find out if this solution will work for you is to speak with a certified credit counselor who will evaluate your finances. If a debt management program is your best option, they can help you enroll. Otherwise, they’ll let you know which solution you should pursue.

If you enroll in a debt management program, the credit card accounts you include will be frozen and you will not be able to use those cards. In many cases, you can also include medical debt and payday loans.

Debt management plans are a great way to help your family get out of debt and continue to reach your financial goals.

To get started, simply fill out our form or better yet, call us now, and we’ll match you with the best solution for your situation, for free. We are A- plus rated by the better business bureau and have helped thousands of people become financially stable.

So, don’t struggle any longer, give us a call. When life happens, we’re here for you.

With a debt management program, credit counselors negotiate with your creditors to accept a new payment plan and lower interest rates. Interests range from zero percent up to about eleven percent depending on the creditor.

All of the debts are consolidated into one monthly payment that works with your budget.

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For those considering Debt Counselling, this is the process you can expect. Debt Counselling works and if you go under debt counselling you can expect to get out of debt

A debt consolidation program takes money owed to creditors and places it in one lump sum that will be distributed among the creditors. Discover how a debt consolidation program can hurt a credit score with help from the owner of a debt negotiation company in this free video on debt and money management.

Expert: Peter Repak
Contact: www.ClearFinancialCompany.com
Bio: Peter Repak has been in the debt settlement business for over half a decade. He and his wife founded the Clear Financial Company.
Filmmaker: Christopher Rokosz

Have you ever wondered how credit counselling works? Wondering if it is the right option for you and if there are alternatives? Look no further as we have broken this down for you in this video.

Check out the blog article on the topic at: https://www.halifaxdebtfreedom.ca/credit-counselling/

Visit our website for more info or to file a mediation request:
https://dcba.lacounty.gov/mediation/