Got that new Credit Card? Auto Loan? Mortgage on your dream home?
All of a sudden a world of possibilities opens up to you. But after a while, the monthly payments on those debts may start to feel more like a burden – and you may begin dreaming of becoming debt free. The good news is that you can reorganize your debt. While you can’t change the amount of money you owe, you can change the payments you make and the amount of interest you pay. And that can make a big difference in how heavy that debt burden feels.
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Why Debt Consolidation? When it comes to repaying your loans, Debt Consolidation puts you in the driver’s seat. It allows you to reduce your monthly payments, spread out over a shorter period of time to pay off your debt, or reduce the amount of interest you pay. Decide what results you want from Debt Consolidation, then use our Debt Consolidation Calculator to see how much you can save. Protecting Your Credit Quick. What’s the most valuable thing you own? Your house? Your car? Guess again. It’s your good credit. Because without that, you can kiss good-by a new mortgage, car loan, or loan for the college education of your kids. Your Credit Report contains information collected about your loan payment history, and it’s what lenders use to determine your credit-worthiness. You should review it every year to make sure it’s accurate and up-to-date. Managing Your Money Better In today’s easy-credit environment, it’s very easy to overspend. In this section, we provide some tips for keeping your debt load manageable. But what if you already have a high debt burden? Don’t despair. We’ve got some special information to help you, too. What To Do After You Consolidate Your Debts Debt Consolidation feels like having a weight taken off your shoulders. Now the trick is to keep it off. In this section, we give you some tips for keeping your debt load low. What If You Can’t Get The Credit To Consolidate Your Debts? Some of us have been struggling hard to manage by ourselves, and by the time we call for help, it’s too late. In this section we talk about Credit Counseling, and Bankruptcy (as a last resort) – two options for those who have run into credit problems. Are you a Shopaholic? Can you resist a sale? Are you able to come home at the end of a day of shopping with money in your pocket? Can you wait and save for something you really want? If you answered “No” to any of these questions, you may be suffering from one of Americans’ most common diseases: shopaholism. In this section, check out the symptoms and find out what you can do to stop out-of-control spending.