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    Which is why, when Maureen and Cassie breathlessly asked me to tell them what to do next, the answer couldn’t be more simple: NOTHING!!! Before proceeding you must read, understand and agree to the following statements regarding Adult and the material within.

    Consolidating debt with

    Prosper’s online electronic payment system lets you manage your entire consolidation loan directly and with ease.

    If you’re making the minimum monthly payments on credit card debt, chances are you’re mostly paying the interest, and not paying down the actual principal by much. And if you miss payments or exceed your limit, your credit card interest rates can go up.

    That's if your credit card has a large enough credit limit.

    A low credit limit doesn't have to stop you from doing a balance transfer.

    There are several different ways you can consolidate debt on your own without paying a debt consolidation company.

    You can use a low rate balance transfer to move your balances onto a single credit card.

    Banks and credit unions offer a variety of traditional loans and other products, but they typically don’t cater to debt consolidation loans for people with bad credit.

    Banks and credit unions often use a risk-based pricing model, meaning the bigger the risk they think you are in terms of repaying the loan, the higher the interest rate they’ll charge you.

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    We are a nation of people in debt, and it doesn't seem to be getting any better.It’s tempting to pay off all those credit card debts with a new loan, then make just one monthly payment. Most consumers who use bill consolidation or take out debt consolidation loans end up throwing good money after bad.They usually build an even more towering mountain of debt in just a few years because they didn’t change their spending habits.So even if you get approved for a loan, you could end up paying more in interest and fees than someone with better credit.So whether you are approved for a loan at a high interest rate, or you get turned down because of your credit, remember there are plenty of other options for debt consolidation loans for bad credit.

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