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    Let's see how these work and then look at the advantages and disadvantages.Click here for full article If you feel that you have too much debt, you are not alone.

    Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years.

    Debt consolidation is nothing more than a con because you think you're starting with a clean slate.

    But the truth is the debt is still there, as are the habits that caused it—you just moved it!

    This free online Consolidate Debt Calculator will calculate the loan consolidation consequences of combining all of your debts into a single loan payment.

    But before you use the calculator, please make sure you are fully aware of the debt consolidation pros and cons.

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