The Pros and Cons of Debt Consolidation

June 23rd, 2009

When I found myself drowning in debt, I decided to investigate my options before I did anything.  After deciding against reorganizing my bills and bankruptcy, I was left with Debt Consolidation.  If chose to consolidate my balances, it would give me one monthly, affordable payment, which would provide a short-term fix.  Overall I would pay a lower interest rate and my credit rating would remain excellent.  However, it would also mean stretching out payments for years and using my home as security.  Eventually I decided on the loan because I recently got a raise and can pay off the loan fairly quickly.  Consolidation was a good solution for me.

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Entry Filed under: Miscellaneous

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