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Credit cards, student loans, car payments, mortgages. If you go through a box of checks like a flu victim goes through Kleenex, you may be a candidate for loan consolidation. You've got lots of options to choose from, whether it's taking a personal loan from your bank or credit union or rolling your credit-card balances to a low-rate card. The key is to reduce your interest rates, not just your monthly out-of-pocket costs.
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