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Here are the top things you need to know before you consolidate your debt: But here’s the deal: debt consolidation promises one thing but delivers another.
That’s why dishonest companies that promote too-good-to-be-true debt relief programs continue to rank as the top consumer complaint received by the Federal Trade Commission.
I have 12 federal student loans and only 1 month left of the grace period.
From what I gather, now is the time I should consolidate.
Dave says, "Personal finance is 80% behavior and only 20% head knowledge." Even though your choices landed you in a pile of debt, you have the power to work your way out! The solution isn’t a quick fix, and it won’t come in the form of a better interest rate, another loan, or debt settlement.
The solution requires you to roll up your sleeves, make a plan for your money, and take action!
The truth is debt consolidation loans and debt settlement companies don’t help you slay mammoth amounts of debt.
Their behavior hasn’t changed, so it’s extremely likely they will go right back into debt. The debt includes a two-year loan for ,000 at 12%, and a four-year loan for ,000 at 10%.
Your monthly payment on the first loan is 7, and the payment on the second is 3. You consult a company that promises to lower your payment to 0 per month and your interest rate to 9% by negotiating with your creditors and rolling the two loans together into one. Who wouldn’t want to pay 0 less per month in payments?
We’ll work with you to help you pay one interest rate, reduce what you pay, improve your cash flow and get closer to being debt-free sooner.
Come in and talk to us about how a TD Debt Consolidation loan might help you or call 1-866-222-3456 to book an appointment.