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Debt Consolidation Calculator. Calculate the effect of combining other debt with your home mortgage. If you select credit card, Auto Loan, or Other but leave the interest rate blank, the calculator assumes a.

Debt consolidation simplifies your bill paying process by combining debts.. But unlike a loan, credit counselors work with your creditors to lower interest rates.. The most effective alternative to consolidating debt is learning to live on less than. Missing monthly mortgage or rent payments; Falling behind on utility bills.

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