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The non-profit agency can help you get a lower interest rate from creditors and reduce or waive late fees to help make your monthly payment affordable.You send one payment to the agency running the DMP and they split it among all your creditors.With bill consolidation, you make only one monthly payment — a good idea for when you have five, or maybe even 10 separate payments for credit cards, utilities, phone service, etc.If you consolidate all bills into one, the single payment should be at a lower interest rate and reduced monthly payment.The best way to consolidate credit card debt under ,000 could be to get a zero-percent interest credit card and transfer balances from high-interest credit cards over to it.You also could look at a personal loan to pay off your balances.This helps eliminate mistakes that result in penalties like incorrect amount or late payments.There are three major types of debt consolidation: Debt Management Plans, Debt Consolidation Loans and Debt Settlement.

Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.

This can allow you to set aside a portion of your income each month to pay down balances for each card, one at a time.

When you have paid off all the cards, choose one and be responsible with how you use it.

All payments made during that time will go toward reducing your balance.

When the introductory rate ends, interest rates jump to 13–27% on the remaining balance.

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