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Private Student Loan Consolidation. Private student loans cannot, in general, be consolidated with federal student loans. The low interest rates on federal consolidation loans are not available to private education loans. So the main benefit of such a consolidation is obtaining a single monthly payment.

Simplifying your life is a side benefit of consolidation the main reason people do it is to get a fixed lower interest rate so they can pay their debt down faster. The same is true for student loan debt consolidation, except that federal student loans cannot usually be consolidated with other debts.

If you're hopelessly drowning in debt, know that you can't negotiate any lower interest rates with your credit card companies or creditors, or if the math works out, a debt consolidation loan may be a good decision for you.  If it may be a good time to strike, pay it all off, and walk away debt-less.

Unlike debt settlement, the fees for debt management are somewhat predictable. Usually you will pay a monthly fee of between $15 and $50 to the debt management company or government approved credit counseling agency that is in charge of your debt management plan.

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. This commonly refers to a personal finance process of individuals addressing high consumer debt but occasionally refers to a country's fiscal approach to corporate debt or Government debt. The process can secure a lower overall interest rate to

In most cases you are not responsible for another persons debt when they die, unless you are a co-signer on the account. If however, that person was your spouse and you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin), debts incurred during the marriage are considered commu