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08-Feb-2020 20:23

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Once you’ve chosen a debt consolidation method, it’s a good idea to keep the total cost as low as possible.

Try not to take the maximum amount of time possible to pay off your new loan, and come up with a plan to get out of debt in three to five years.

For example, you can use money from your IRA interest-free for 60 days.

However, you must roll it over to another IRA account within 60 days.

If the bank’s terms are not to your liking, there’s no reason to have its inquiry show on your credit report.

There are several different types of consumer debt.

However, the most common debts are credit card debt, medical debt, and student loans.

Some of these debt consolidation companies are legitimate; according to the Consumer Financial Protection Bureau, however, others are incredibly risky.

That’s because some may be debt settlement companies that convince you to stop paying your debts and “instead pay into a special account,” the CFPB warns.(Of course, while you’re using your IRA money, it won’t be earning you any interest either.) From friends and family: These loans can be your best or worst nightmare.