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helps you pay off debts by consolidating your bills into one simple, monthly payment – often with a lower interest rate than you’re currently paying to your existing creditors.

As with any financial goal, whether you choose a credit card consolidation loan or other payoff method depends largely on your current financial situation, including your existing debts, whether you can afford your current monthly payments, the interest rates you’re now paying to your creditors, and how quickly you’d like to pay off your bills.

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On the other hand, an interest rate negotiation is an agreement with your creditors to lower the interest rate on your credit cards.

You’ll contact each of your creditors to request better rates on your open accounts.

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