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Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones.In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both.

There are several ways consumers can lump debts into a single payment.

Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.

By understanding how consolidating your debt benefits you, you'll be in a better position to decide if it is the right option for you.

Lending institutions use these scores to determine your level of risk on a loan or line of credit.

Taking out a debt consolidation loan can affect your credit score.

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With this memo, I am enclosing a list of Massachusetts legal holidays and major religious holidays for the 2014-2015, 2015-2016 and the 2016-2017school years.