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If you are not making enough money, debt consolidation will not help you because you still won’t be able to meet your monthly payment obligations.Finally, you should know, that in most cases, you will need a good to excellent credit score in order to consolidate your debt.

Often the larger loan has a lower interest rate than the smaller loans.We recommend speaking to a financial advisor who can assess your situation and make recommendations.If you are wondering if you should consolidate your debt here are some things to think about.However, because these loans are unsecured (not backed by an asset,) the interest rates can still tend to be on the higher side.With any of these products, you’ll still have to have the income and credit to qualify. If you are age 62 or older, you could qualify for a reverse mortgage.

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