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It's important to make sure you factor in all costs, pick a short term loan, and look for low rates that won't change unexpectedly. These will help you with your bill consolidation efforts and make sure you don't accidentally spend more when you consolidate!

Debt consolidation makes sense for anyone buried under a lot of debt with a lot of small bills. Typically, you can only cover the minimum payments on each bill, which usually only pays the interest and doesn't make a dent in the actual amount you owe.

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