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You will want to take a closer look at your spending habits and see where you can save and what you need to change to be able to avoid building the debt back up.
Coming up with a debt management plan is the best first step to take after considering debt consolidation. The above offers are provided by third-parties from whom receives compensation.
For example, say you have three credit cards and decide to use debt consolidation to combine all three into one larger consolidation loan.
In that case, the new loan would have a balance equal to the sum of the other loans. You've probably heard of credit card balance transfers, but another option is a personal loan.
Obtaining a personal loan from a bank or credit union is another common way to consolidate debt.
Credit unions are ideal because they offer more in the way of flexibility, lower fees, and more member-focused service.