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You can’t borrow your way out of debt in the same way you can’t get out of a hole by digging out the bottom.Getting out of debt isn’t quick or easy, but it’s the first step to achieving lasting financial health. It simply means you’re taking out one loan to pay off a bunch of loans—or consolidating the debt to one payment.Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.I was able to get a loan to pay off all my credit cards and have one payment per month. To get myself debt free in the next 3 years and get my life back on track.

While a lower interest rate is good news, your new loan may not come with all the borrower benefits associated with government loans.This simplifies your bill-paying process each month plus reduces the total amount you owe to your creditors.No matter what type of debt consolidation loan option you’re looking into, it is important to understand how to consolidate debt.For example, borrowers with federal student loans can take advantage of federal income-driven repayment programs, or benefits like loan forgiveness, which borrowers with private student loans typically don’t have access to.allows you to consolidate (combine) multiple federal education loans into one loan. Top Private education loans are not eligible for consolidation, but for some Direct Consolidation Loan repayment plans, the total amount of your education loan debt—including any private education loans—determines how long you have to repay your Direct Consolidation Loan.

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Their travel schedule is crazy; they often don't even live full-time in the city where their team is (though Harden is from Los Angeles, so that was actually a check in the make-it-work box for him and Khloe); the on-the-road temptations are ridiculous, even when they don't indulge; and they have to devote 100 percent of their energy to training, staying in shape and playing the game. And the pressure is tenfold on Harden, who is generally considered the best player on the Houston Rockets and who gets blamed when the team is down.

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