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While this can work it is extremely important that you find a credit card that has a lower interest rate and affordable balance transfer fees.

You’re still paying back your debt and you’re technically not consolidating your debt, but it’s another great form of debt relief.

A debt consolidation loan can be an extremely useful tool, just make sure you’re getting one that is actually going to help your debt situation, and not hurt it.

Your best bet is to go with an alternative lender, especially if your credit is already less than great.

Just remember that applying for a new loan may also cause a shot-term dip in your credit score, don’t be worried if this happens.

If you’re having trouble getting a debt consolidation loan because of your low credit score then you should consider entering a debt management program.

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