Is Debt Consolidation for Me?

Much has been made of debt consolidation in recent years.  It's an incredibly appealing idea; taking all your debt and condensing it down to the lowest common denominator and then repayment would be a cinch. Many people have this perception of debt consolidation loans, as well.  The cruel reality is that is not the way it works.  Debt consolidation can be a good thing, but don't get taken in by shifty loan companies eager to
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