These loans roll all your existing debts into one loan with a lower interest rate. This gives you fewer bills to keep track of and a more manageable monthly payment. Interest rates on debt consolidation loans range from 5 to 25 APR. On top of that, these loans often include an origination fee of 1 to 6 of your total debt. Personal loans pay back monthly Settlement. Debt settlement companies negotiate with your creditors on your behalf.
Their goal is to get lenders to settle for a lump-sum payment thats less than what you actually owe. You pay off this settlement by putting aside a fixed sum into an account each month, just as you do with a DMP. However, debt settlement companies often charge high fees for this service.
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