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This subsection shall not apply to convictions of a Class A or B1 felony or to convictions of the offenses set forth in subsection (f) or subsection (g) of this section.
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In some cases consolidation of your loans or other debt can also help you chart a path to greater financial health by reducing effective interest rates or by renegotiating your payment terms.

Using one loan to consolidate your debt can solve your problems.

When people mention debt consolidation, they are usually referring to one of two different methods.

The first is the kind you describe, where you apply for a personal loan, preferably one with a relatively low interest rate, and then use the money from that loan to pay off all your credit card balances at once.

By understanding how consolidating your debt benefits you, you'll be in a better position to decide if it is the right option for you.

student loan is subject to completion of a loan application/consumer credit agreement, verification of application information, credit qualification, and a benefit to borrower determination.

Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.Debt consolidation is nothing more than a con because you think you're starting with a clean slate.But the truth is the debt is still there, as are the habits that caused it—you just moved it!Finding a Personal Consolidation Loan Using a Balance Transfer Consolidating Student Loans Community Q&A Loan consolidation can save you money if done right.You consolidate loans by rolling all your little loans into one bigger one.This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.