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A Debt Consolidation Loan is used to combine all your existing consumer debt or credit card debt into a single loan and one monthly payment. The advantage of this type of debt loan is that you can consolidate your high interest credit cards, auto loan and/or student loan debt, into one single lower monthly payment.

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A debt consolidation loan is one large loan to borrow your way out of debt. This type of loan will not reduce the amount of money you owe. You usually have to put down collateral to get this type of loan.

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