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Most issuers charge a balance transfer fee of around 3%, and some also charge an annual fee.Before you choose a card, calculate whether the interest you save over time will wipe out the cost of the fee.Consolidation works best when your ultimate goal is to become debt-free.This type of credit card charges no interest for a promotional period, often 12 to 18 months, and allows you to transfer all your other credit card balances over to it.Getting a debt consolidation loan when you have bad credit can be tough, especially if you seek help from the wrong source.

P2P lending bypasses the banking loan system and allows regular people to organize loans between one another, usually through a website.We will estimate the average interest rate is 6% on a 30-year fixed-rate loan.For a person with an account, the average credit card loan balance is ,576, according to Credit Karma, and the average interest rate is 14.97%, according to Credit However, consolidation is not a foolproof solution.When it’s not done correctly, it can actually lead to more financial trouble than what you had when you started.

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It is crucialto remember that the vast majority of war veterans feel that no one but other combatveterans could possibly understand.