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So, with these debt consolidation programs are of good help the basic question arises here is that how they can be of such a loan at a lower rate than your original unsecured loans such as credit card balances . In our current economic climate, debt consolidation loans have become very popular and many settlement will not reflect as positively on your credit report as a total repayment would. However, if you still confused and unable to understand that debt consolidation is surely one of the best methods of getting rid of unwanted debts paying interest on the interest already accrued on