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Start Saving. A debt consolidation loan can be a good idea when managing multiple high-interest debts, such as credit card balances, personal loans, or medical bills, and struggling to keep track of payments. Sarah Silbert. If you're looking for a debt consolidation loan because your credit cards carry high APRs, it's worth your time to consider some alternatives. Minimum credit score and income : There are no specific minimum credit score or income requirements.
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