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30-Jun-2020 08:32

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“If the principal is paid down faster [than it would have been without the loan], the balance is paid off sooner, which helps to boost your credit score,” says Freeman.For example, say an individual with three credit cards and a total of ,000 owing at a 22.99% annual rate compounded monthly needs to pay 47.37 a month for 24 months to bring the balances to zero.However, there are specific instruments called debt consolidation loans, offered by creditors as part of a plan to borrowers who have difficulty managing the number or size of their outstanding debts.Creditors are willing to do this for several reasons – one of them being that it maximizes the likelihood of collecting from a debtor.Once in place, a debt consolidation plan will stop the collection agencies from calling (assuming the loans they're calling about have been paid off). The Internal Revenue Service (IRS) does not allow you to deduct interest on any unsecured debt consolidation loans.If your consolidation loan is secured with an asset, however, you may qualify for a tax deduction.This works out to ,371.84 being paid in interest.

consolidating student loans direct lending-35

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Home equity loans or home equity lines of credit are another form of consolidation sought by some people, as the interest on this type of loan is deductible for borrowers taxpayers who itemize their deductions.

Even if the monthly payment stays the same, you can still come out ahead by streamlining your loans.

Say that you currently have three credit cards that charge a 28% APR; they are maxed out at ,000 each and you're spending 0 a month on each card's minimum payment.

There are also several consolidation options available from the federal government for those with student loans.

Theoretically, any use of one form of financing to pay off other debts is practicing debt consolidation.

If you were to pay off each credit card separately, you would be spending 0 per month for 28 months and you would end up paying a total of around ,441.73 in interest.



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