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But they will want to tread carefully, as new NEFE-supported research reveals ads for these loans do not give consumers a full picture of the total costs, and furthermore, these loans may cause consumers to make their financial situations even worse."The advertising for debt consolidation loans often fails to mention the downsides of these types of loans," says Ted Beck, president and CEO of NEFE.If your debt has gotten out of control, you’re not alone.Debt management is a challenge facing many people, and in seeking a solution, you are taking positive steps to Live Smarter. A debt consolidation plan involves taking several debts, such as credit cards, medical bills, personal loans, and more, and combining them into fewer bills, preferably one, at a lower overall interest rate.They can include credit card consolidation, a personal loan, a home equity line of credit, a home equity loan, or refinancing, among others.Paying off the debt would be combined with more disciplined budgeting (to avoid more debt), coupled with a savings plan.The advertising for this loan would not tell the consumer that he or she will be paying more than three times the interest, according to NEFE-funded research at Pennsylvania State University, the University of Florida and Duke University.

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Make an appointment or call 315-735-8571 today to inquire about debt consolidation. You may change your designation at any time in the future. Credit Card Debt If you have several credit card balances you’re struggling to pay off, consolidating your credit card debt could be a solution.Your options can include taking out a loan to pay down your cards, or paying your balances with a new card that has a lower rate with a balance transfer.Determine your regular monthly expenses like mortgage or rent, food, and transportation.With all your relevant financial information, we can work with you to see if a debt consolidation plan is right for you.So instead of sending payments to multiple creditors each month, you can make one payment to cover everything.This generally results in lower total monthly payments, and can help you avoid late payment fees and other penalties, since the billing and financial tracking is much easier to handle. Helping you get out of debt sooner, lowering your interest rate and monthly payments, and protecting your credit score. First, we determine if your financial situation warrants debt consolidation.Whichever approach you take, you’ll have only one monthly payment to make.We can help you determine if you are a good candidate for credit card debt consolidation.Depending on your specific financial situation, options may include a Health Improvement Loan, a lower-rate credit card, a Home Equity Loan or Line of Credit, or a Personal Loan.We can evaluate your expenses, budget, and financial standing, and help you determine the best approach. Gather all the bills on which you are carrying debt, including credit cards, medical expenses, utilities, phone bills, and vehicle debts.


  1. For cash-strapped consumers, debt consolidation loans might seem like a quick fix to solve their money woes. But they will want to tread carefully, as new.

  2. The Debt Consolidation Calculator estimates how much you can save by consolidating some of your debts, including credit card debt, auto loans, and student.

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