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11-Jul-2017 05:42

Before you apply for a debt consolidation loan, you should consider alternatives, figure out how you’ll make payments and make sure you’re finding the best rate available.

Credit cards with zero percent APR on balance transfer offers allow you to transfer existing credit card balances to that new card. It’s essential to have a plan for how you can make the new payments, especially if you’ve previously struggled to keep up with minimum payments on your balances.

You don’t want to create new debt that you’ll have to pay on top of your debt consolidation loan.

You will go through several steps to apply for and receive a debt consolidation loan.

“Make sure you have plenty of cushion in there so if something happens and you had to sell your home, or you had to move ...

you don’t end up losing your home.” Repayment terms can be 10 years or longer, and if the value of your home drops during that period, you may owe more than your home is worth.

Track your spending to see where your money goes each month, identifying areas where you may be able to cut back.

Compare your debt payment obligations and your spending to create a budget and determine how much you can realistically pay on your debt each month.

Another option for lowering your monthly payment is with a long loan term.

Once you know how much you can realistically allocate to paying down your debt each month, you can use the amount to determine terms for your loan.

The amount you pay on your debt consolidation loan each month will vary depending on the amount you borrow and how many years you will take to repay it.

However, a longer loan term means you may pay more interest total.

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There are two types of debt consolidation loans: secured and unsecured.

They use collateral, such as home equity used to secure a home equity loan, and generally have better interest rates than unsecured ones.



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