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Question by ocean: Do you think debt consolidation would help save me money and not adversely effect my credit?
I have over 21,000 in a student loan,( The interest rate is 8%), over 3200 on another credit card (The interest rate is 29.24%),400 on another credit card (The interest rate is 21.99%), and over 4200 in overdraft protection (The interest rate is 20.25%)? I am not sure I completely understand how debt consolidation works. If debt consolidation is not something that you would recommend, do you have at least one or 2 recommendations. My current credit rating is 777. I would like to get my own place in 6 months to 1 year. That is my ultimate goal.

Best answer:

Answer by the_cthulhu
Debt consolidation will not adversely affect your credit. Credit card interest should be avoided like the plague, I’m sure you realize how high 30% interest is. Just make sure you crunch the numbers on your own so you know you aren’t getting shafted. Remember, everyone really is after your lucky charms.

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