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Very good place to find valid debt counsellors in your area. I recommend it.
If you have a few loans or credit accounts to pay off, you can make repayment easier by bundling all your debt into a single debt consolidation loan. This reduces your admin fees to one and allows you to restructure your debt. Be mindful that your consolidation loan might have a longer repayment period than your other personal loans.
Debt consolidation loans are typically offered as unsecured loans over terms from 12 to 72 months.
Debt consolidation reduces your multiple debt repayments to one, therefore it simplifies repayments and makes it easier to budget. Moreover, debt is reduced through lower interest rates and longer terms.