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Is consolidating credit card debt a good idea
The potential advantages of student loans span beyond the ability to finance a college education.These loans are frequently at very low interest rates and can feature low monthly payments.
Consolidation loans can come in the form of unsecured loans or loans secured by equity in a home, referred to as equity loans or equity lines of credit.
With deferment, no late fees are added despite the non-payment.
Whether or not interest accrues during the deferment period depends on the type of student loan the borrower has.
But if you can't run that surplus, don't kid yourself: The same short-term thinking that caused you to run a deficit will cause you to tighten that noose around your neck.
If you need help getting out of debt, you are not alone.