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Use an online loan consolidation calculator or add up the monthly payments, including fees and interest, and compare these with the consolidation loan.

If you don't qualify and you have sufficient equity or collateral, apply for a home equity or secured personal loan and pay credit card balances yourself.This can help you manage your debt more effectively as you pay it down, and the fact that you aren’t dividing up your payments can help you reduce your debt at a faster rate.When you consolidate your credit cards, there are two main options: Consolidating your credit cards is about doing what you can to make the whole situation more manageable.There are tools like Ready For Zero that can help you create a personalized plan for paying off debt efficiently.Then, you can use these same tools to automatically make payments so that you don’t have to try to manage your debt repayment on your own.The Consumer Financial Protection Bureau recommends that you make sure a debt consolidation loan is a good choice before committing.

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