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You might pay down your debts through a balance transfer or interest rate negotiation.

It’s helpful to mention competing offers or plans that you’ll consider if your creditors don’t seem willing to work with you.

As with any financial goal, whether you choose a credit card consolidation loan or other payoff method depends largely on your current financial situation, including your existing debts, whether you can afford your current monthly payments, the interest rates you’re now paying to your creditors, and how quickly you’d like to pay off your bills.

It’s important to note, however, that a DSP will have a negative impact on your credit.

As with the DMP, you’ll also receive financial education to help you get and stay out of debt for the long term.

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