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    Benefits consolidating credit card debts

    If you feel like you just can’t pay off your debts on your own, you may be considering an option that has provided relief for hundreds of thousands of other Americans: a debt consolidation loan, also known as a refinancing loan.

    The third option is to apply for a home equity loan, which is a secured loan that uses your home as collateral.Add in mortgage payments and student loans – plus a cost of living that's outpacing income growth – and it's no wonder that the average American is looking for credit card debt relief.Often, credit card debt is spread across several different cards, leading to multiple statements and payments.The goal is to reduce the number of bills that you need to keep track of and reduce the total interest rate on your outstanding obligations.These loans can be unsecured, meaning they’re guaranteed only by your promise to repay, or secured, meaning they’re tied to a physical asset – most often your home, but sometimes a retirement account, life insurance policy, car, or other valuable personal possession.

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