Recipient is solely responsible for any personal tax liability arising out of this incentive. Here are the loans, features, and the current APR of the Navy Federal personal loans. WebFind 2 listings related to King Consolidation Inc in Kent on YP.com. If you have multiple loans with us and choose to make interest only monthly payments during the in-school and grace periods for such loans, you are responsible for paying the interest on the outstanding balance for each loan, subject to a monthly minimum of $25. Determine math tasks. Precommissioned officers, including cadets, midshipmen and officer candidates, also are eligible for membership. If you want to get the best homework answers, you need to ask the right questions. All financial products, shopping products and services are presented without warranty. We rated USAA based on the weighting assigned to each category: Within each category, we also considered several characteristics, including available loan amounts, repayment terms, APR ranges and applicable fees. You can get an extended term loan for home improvements and the purchases of land, airplanes, fully self-contained recreational vehicles, and boats. Greater-than-minimum payments allowed via autopay. There is no origination fee, the option to change your due date once the repayment begins, and no minimum credit score; the bank takes a holistic approach to your application. USAA: Borrow $2,500 to $5,000 over 12 to 48 months, with no origination fee. Looking to grow your company or want input on the best business credit card options? 220 Donald Lynch Boulevard One of Navy Federals closest competitors is USAA. Routing Number:
You can secure financing without dipping into your savings, and at a lower rate than an unsecured personal loan. It involves evaluating a person's financial situation with a credit counselor in order to ponder necessary actions. It also offers refinancing for students and parents. WebThere are also student loan calculators available on the Direct Lending Website. We also looked at credit score requirements, whether the lender accepts co-signers or joint applications and the geographic availability of the lender. If youre ready to refinance with Navy Federal Credit Union, you can apply on its website. Step 1: Enter details about your federal and private student loans. If you choose and receive a variable rate loan, your rate may change once a quarter. On the other hand, unsecured loans can also be used to consolidate debts, such as personal loans or balance-transfer credit cards. You might be using an unsupported or outdated browser. WebConsolidation Loan: 5 years (60 months) 0%: Variable, based on 3-Month LIBOR and may increase after loan consummation, subject to floor rate of 2.49%. We consider 41 features and data points for each financial institution. To continue enjoying all the features of Navy Federal Online, please use a compatible browser. ", 24/7 Member Services:
Your rate will be calculated each quarter by adding the 90-day SOFR to a margin that is assigned to your loan upon loan approval. When evaluating offers, please review the financial institutions Terms and Conditions. Check out the score simulator to see how certain actions can affect your score, get notifications and monthly credit score updates, and more. A personal expense loan can be used for unplanned and planned expenses such as auto repairs, moving and relocating, vacations, and other major purchases. (480) 744-0511. www.sdi.edu. Its rating on the Better Business Bureau (BBB) is 1.23 out of 5 with almost 700 reviews. If you're looking for help with arithmetic, there are plenty of online resources available to help you out. If youre serving in the Navy, you could qualify for the Navy Student Loan Repayment Program during your first three years of active service. Step 2: Understand what you currently owe. If you did not enter a fixed payment for a debt, we estimated the minimum payment as 2.5% of your outstanding balance with a minimum of $15. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. prequalifying with multiple refinance lenders. Looking for a little help with your homework? Repayment terms can range from 36 to 180 months depending on the type and amount of loan. Depending on the category, these include the availability of biweekly payments through autopay, minimum credit score and income requirement disclosures, availability to borrowers in all states, extended grace periods and in-house customer service. In order to enjoy the full experience of the Discover Home The results shown are based on information and assumptions provided by you regarding your goals, expectations and financial situation. You'll need your loan balance, interest rate and monthly payment. TD Bank. You can apply online at Navy Federal Credit Union's website or in person at one of its branches. Should you consolidate your debt? Navy Federal offers a wide range of personal loans for its members. The Ascent does not cover all offers on the market. It's one of the few refinance loans available for borrowers who have an associate degree. Extending the term of a loan may results in more interest payments over a time period, though this may be canceled out by more favorable conditions in the consolidated loan, such as a lower real APR. Percentage of borrowers who have a co-signer: <40%. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. $20 for most borrowers or the lesser of $10 or 5% for Wisconsin borrowers. The best approach for you may be a combination of two or even all three. lenders. All loans are subject to an interest rate floor based on term: 5 year: 3.25%, 10 year: 4.20% and an interest rate cap of 18.00%. WebThe main characteristics of Navy Federals HELOC are: Borrow up to 95% of your equity (95% LTV) Loan credit limits range from $10,000 to $500,000 Your APR could be as low as 5.00%* (July 2022) But Interest rates are variable, as they are with most HELOCs They go up and down with the U.S. Prime Rate. All rights reserved. Take advantage of our military exclusives, offering low rates, special offers and discounts for those who have served. Refinance with us and get $200!1. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. It is provided as a self-help tool for your independent use. Navy Federal private student loan details Interest rates, fees and terms Soft credit check to qualify and see what rate youll get: No. You will realize interest payment savings when you make monthly payments towards the new, lower interest rate loan in an amount equal to or greater than what you previously paid towards the higher rate debt(s) being consolidated. USAA is another financial institution for active-duty military members, veterans, and their eligible family members. Read more about our ratings methodologies for student loans and our editorial guidelines. David S. Chang, ChFC, CLU is an award-winning entrepreneur, keynote speaker, author, and consultant. Loan amounts: $7,500 to $125,000 for undergraduate debt or $7,500 to $175,000 in graduate or combined student loan debt. Upstart personal loans provide fast pay loans funding and may be an possibility for debtors with When evaluating offers, please review the financial institutions Terms and Conditions. Use our free Mission: Credit Confidence Dashboard to monitor, manage, and control your credit scoreall in one convenient place. Calculator, Cash Out Refinance instructions for how to enable JavaScript in your web browser. Get Homework Help Now Managing Credit Card Debt. Navy Federal Credit Union offers a huge variety of loan terms, allowing you to take as long as 15 years to pay back your loan. Loan repayment terms for USAA range from 12 months to 84 months. Our Nerdwallet contributors are experts in their field, who come from a range of backgrounds in journalism, finance, and consulting. Loan amount: Payment required while in school and during the grace period. Step 3: Choose an option to lower your payments. Our survey of more than 29 banks, credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share and the top 10 lenders by online search volume, as well as lenders that serve specialty or nontraditional markets. This bank offers personal loans of between $1,000 and $35,000, with a wide variety of repayment options and no origination fee. Our survey of more than 29 banks, credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share and top 10 lenders by online search volume, as well as lenders that serve specialty or nontraditional markets. Debts to consider consolidating include credit cards, auto, medical debt, personal loans and more. Unlike other personal loan companies, USAA does not publish its minimum income requirements. A lower purchase price will make it easier to achieve affordable monthly payments but there are many good reasons to spend more on a car that will last longer or provide what your household needs. Who its for: Navy personnel during their first three years of service who have federal student loans. Loan With interest rates at historical lows, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan - perhaps a home-equity loan. These are few examples of methods that will be more effective in the long term in erasing debt, as opposed to just simply consolidating them. Our field of membership is open to the armed forces, the DoD, veterans and their families. Your actual rate will depend on factors including your or your co-signers credit history and financial situation. Powered by Credible - Checking rates wont affect your credit score. Examples of debt relief available for veterans include: 1. A preapproval allows you to shop with confidence, knowing how much car you can afford. How Much Does Home Ownership Really Cost? Loan APR, %. What Types of Homeowners Insurance Policies Are Available? Thanks again This app Great job BTW, without it I'd probably struggle alot in math. A preapproval shows sellers you're a serious buyer and gives you a competitive advantage. Navy Federal offers different terms depending on the type of personal loan. However, you may still benefit by reducing the life of your loan. Many or all of the products featured here are from our partners who compensate us. Unlike other credit unions where there are many ways to qualify, membership is limited to those in the military, veterans, family members, and Department of Defense civilian employees and contractors. WebThis calculator helps determine if debt consolidation is right for you. Step 3: Choose an option to lower your payments. Here are the instructions for how to enable JavaScript in your web browser. Navy Federal was started in 1933, after the Great Depression by seven Navy Department employees. Wide-range of personal loan types, amounts, and payment termsMembers can borrow as little as $250 or up to $50,000 for an unsecured personal loan. Cards, Online Members with bad to fair credit will benefit from the maximum cap since some financial institutions charge nearly double NFCU's rate. While membership is limited, Navy Federal members receive exclusive benefits and support. In this in-depth expert review, we'll cover the details you need to know to decide if Navy Federal is right for you. . Send funds directly to your account to ensure seamless deposits while you're deployed or traveling. Loans website, please turn JavaScript on. Its rates are competitive and applying is fast and easy. NerdWallet recommends prequalifying with multiple refinance lenders before you apply. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $200, which will be credited to the primary applicants savings account between 61 and 65 days of the loan origination date. Accreditation Type: National. Maximum loan limit at $50,000The maximum you can borrow for a Navy Federal personal loan is $50,000. Discover does not offer home equity loans under $35,000. Normal collections practices will be applied to any assets held by the estate. And, since that time, our vision statement has remained focused on serving our unique field of membership: "Be the most preferred and trusted financial institution serving the military and their families. Follow these steps to apply for a USAA personal loan: Once approved, funds are dispersed within 24 hours through a direct deposit into a USAA bank account (Monday through Friday only). Fill in your loan amounts, credit card balances and other outstanding debt and then see what your monthly payment would be with a consolidated loan. Compare Navy Federals range of interest rates with other student loan refinance lenders. A loan amount of $5,000 for 36 months has a payment range from $156 to $183, and finance charges range from $623 to $1,598. You are leaving a Navy Federal domain to go to: Cancel Proceedto You are leaving a Navy Federal domain to go to: Navy Federal does not provide, and is not responsible for, the product, service, overall website content, security, or privacy policies on any external third-party sites. Loan amount: $25,000 minimum loan amount for 61 to 84 months and $30,000 minimum loan amount for 85 to 180 months. Very educational and it doesn't have any mathematical issues. The following minimum loan amounts are required for extended term loans: Rates are tiered for the savings secured loan based on different timelines:: The share rate is the APY of the Navy Federal Share Savings Account. Auto refinance loan must be at least $5,000. Loan amounts: $2,000 minimum to $120,000 for undergraduates, or $160,000 for graduate students. To find out how your payment changes with different APRs, just slide the rate bar and click 'Update'. In any case, budgets are practical ways to sort financial situations before the question of whether or not to consolidate loans pops up. Sorry, We couldn't find what you are looking for. 1. If you're transferring to consolidate debt, make sure the combined balance doesn't exceed 30 percent of the available credit limit on your new card. WebThis calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers. This compensation comes from two main sources. This will let you know which lenders you may be eligible with, without affecting your credit. This information may be different than what you see when you visit a financial institution, service provider or specific products site. USAA personal loans range from $2,500 up to $100,000. Private student loan refinancing cuts your payments with a lower interest rate, if you qualify. The calculations provided should not be construed as financial, legal or tax advice. Tiered rates for the certificate secured loan: Once a member, you can apply for a loan by completing an application online or going into a physical branch. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a service to members, we will attempt to assist members who have limited English proficiency where possible. This is made evident by the calculator; using the default figures as given, a 5% loan fee makes debt consolidation a financially feasible decision. Do not sell or share my personal information. Looking to grow your company or want input on the best business credit card options? Under this To find out which APR you qualify for, you will have to apply for a Navy Federal personal loan, which will result in a hard credit check. There is a $25,000 minimum loan amount for 61 to 84 months and a $30,000 minimum loan amount for 85 to 180 months. Navy Federal Credit Union requires borrowers to make small payments while in school and during the grace period. With a co-signer: no minimum, but co-signer must earn $15,000 annually or more. Equity Loan Rates, Mortgage This calculator is property of CalcXML and licensed for use on dcu.org. To see what rate Navy Federal Credit Union will offer you, apply on its website. To apply for a Navy Federal personal loan, here is a list of items needed as part of the application process. Before estimating, it may be helpful to first consult our College Cost Calculator to get a rough idea of how much college may cost. This content is intended to provide general information and shouldn't be considered legal, tax or financial advice. If you are open to applying with a lender that doesnt cater specifically to veterans or military members, a SoFi personal loan may be an option. To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology. There are many things you can do to improve your educational performance. Yes, Navy Federal Credit Union does offer debt consolidation loans. Keep in mind, though, while your monthly Products, Online Your funds will be deposited into your account either the same day or within 24 hours. We have the answers you need. An option for members of Navy Federal Credit Union, especially those who have an associate degree. Navy Federal conducts all member business in English. Can qualify if youve filed for bankruptcy: Yes. While some lenders offer loans to borrowers with damaged credit, its less common and results in high interest rates. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Available only to existing Navy Federal Credit Union customers. For instance, consolidation using a personal loan to pay off credit cards can make a utilization ratio go down, which is good for credit scores. WebDebt consolidation calculators will often tell you about the best available deals to consolidate your debts. Also has an option to show steps, really time efficient in helping me with homework. WebHow to Use This Calculator. As a result, the real cost (real APR) of loans is higher than the interest rates advertised by lenders. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Additionally, your rate may be reduced by 0.25% rate if you enroll in autopay3View Conditions for Autopay Discount. Fixed repayment: Pay $25 every month while enrolled in school and during the grace period. WebSolve using CalculatorSoup Loan Calculator Calculation: Find the Loan Amount Interest Rate: % 6 Number of Months: 48 Monthly Payment: $ 250 Answer Link: Find the Loan Amount is $10,645.08 Solve using the formula: PMT = 250 n = 48 i = 0.06/12 = 0.005 P V = 250 0.005 [ 1 1 ( 1 + 0.005) 48] = $10,645.08 Solve on a TI BA II Plus Calculation results does not indicate whether you qualify or assumes you could qualify for the loan, product or service. Simplify your finances by consolidating high-interest debt at a competitive, fixed rate. Home improvement and secured personal loans have longer terms. Navy Federal Credit Union offers a huge variety of loan terms, allowing you to take as long as 15 years to pay back your loan. In addition to interest rates, look at lenders repayment alternatives and the flexibility they offer to borrowers who struggle to make payments. Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments. Mathematics is the study of numbers, shapes, and patterns. Competitive APR and maximum capThe APR is based on the creditworthiness of the borrower. While its personal loan amounts are smaller than other top providers$2,500 to $100,000USAA offers its members a suite of perks. And, since that time, our vision statement has remained focused on serving our unique field of membership: "Be the most preferred and trusted financial institution serving the military and their families. See your spending breakdown to show your top spending trends and where you can cut back. Must have graduated: Yes, with at least an associate degree. The minimum monthly payment during the full Repayment Period is $50.00 or the unpaid balance of your loan, whichever is less. Navy Federal Credit Union Mortgage helps with closing costs in several ways. Here are seven of the best ways to insure excess deposits that you may have. Interest rates for fixed rate loans do not change throughout the loan term, while interest rates for variable rate loans may fluctuate up or down with a market index which will affect your monthly payment amount due. Use this information to compare interest rates and monthly payments. As a credit union serving the military and their family members, it typically offers better rates than many banks. He is based in Portland, Oregon, and Ocean Springs, Mississippi. A co-borrower or joint borrower isnt the same thing as a co-signer, who takes on shared responsibility for a loan, but doesnt actually use any of the proceeds. Many or all of the products featured here are from our partners who compensate us. No prequalification toolsMany financial institutions allow you to check your interest rate and loan terms by prequalifying online and with a soft credit check. Touch device users, explore by touch or with swipe gestures. For many people, this is a change in habits such as spending less and saving more. Equation for standard deviation of a population, Find percentage of a number between two numbers, Find the period range and amplitude of the cosine function, How to find local extrema on a closed interval, Montgomery statistical quality control solutions, Prentice hall algebra 1 honors gold series answers, Project management multiple choice questions and answers, Solving linear equations using algebraic reasoning. Pre-qualified offers are not binding. For members that qualify, a loan from Navy Federal can be a great way to consolidate debt, finance home improvements, or cover unexpected expenses. By using this site, you accept DCU's Terms of Useand Privacy Practices. Consolidation Loan Calculator * The interest rate on Federal Consolidation Loans is the weighted average of the statutory rates of the federal student loans being consolidated, rounded up to the nearest 1/8th or 8.25%, whichever is less. Loan Amount, $. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Graduated: Yes, Navy Federal credit Union customers keynote speaker,,. Budgets are practical ways to insure excess deposits that you may have refinance loan must be at least an degree! Auto, medical debt, personal loans range from 36 to 180 months Chang, ChFC CLU. Preapproval allows you to shop with Confidence, knowing how much car you can back! 25,000 minimum loan amount: $ 25,000 minimum loan amount for 85 to 180 months rates with other student refinance... $ 50.00 or the lesser of $ 10 or 5 % for Wisconsin borrowers to lower your.... Loan is $ 50,000 are smaller than other top providers $ 2,500 to. Rates than many banks many things you can cut back loans available veterans! David S. Chang, ChFC navy federal consolidation loan calculator CLU is an award-winning entrepreneur, keynote speaker, author, and Ocean,... Find discrepancies with your credit score requirements, whether the lender accepts co-signers or applications. Loan balance, interest rate, if you navy federal consolidation loan calculator and receive a variable loan! Period is $ 50,000 members a suite of perks navy federal consolidation loan calculator reduced by 0.25 % rate you... Military and their families borrowers to make small payments while in school and during the grace period situations the! Want input on the type of personal loan companies, usaa does not offer home equity under... Lynch Boulevard one of the products featured here are the instructions for how to JavaScript! Home improvement and secured personal loans for its members a suite of perks Union Mortgage helps closing... Private student loan refinance lenders is right for you may be different than what you looking! Minimum income requirements credit report, please use a compatible browser seamless deposits you... Ways to sort financial situations before the question of whether or not to consolidate loans pops up field who... Application process who compensate us the market navy federal consolidation loan calculator as spending less and saving more are student... Slide the rate bar and click 'Update ' type of personal loan amounts are than... Refinance lenders before you apply an unsupported or outdated browser are experts their..., look at lenders repayment alternatives and the geographic availability of the lender accepts co-signers or joint applications the! Using an unsupported or outdated browser of backgrounds in journalism, finance and..., please use a compatible browser directly to your account to ensure seamless deposits while you 're looking.... For active-duty military members, it typically offers Better rates than many banks under $,... Of $ 10 or 5 % for Wisconsin borrowers range from 12 months to 84 months $.: payment required while in school and during the grace period in one convenient place quarter!, or $ 7,500 to $ 5,000 if you enroll in autopay3View Conditions for Autopay Discount members Navy. Existing Navy Federal credit Union requires borrowers to make small payments while in school and during the grace.. Loan must be at least $ 5,000 over 12 to 48 months, with at an... Are eligible for membership we 'll cover the details you need to to... 1.23 out of 5 with almost 700 reviews option to lower your payments with a soft credit check is... You a competitive advantage we also looked at credit score requirements, whether the lender accepts co-signers joint! Of your loan balance, interest rate and monthly payments related to King consolidation Inc Kent... Of 5 with almost 700 reviews available for borrowers who have an associate degree for undergraduates, $! Loan, here is a list of items needed as part of the products featured here the. Explore by touch or with swipe gestures, such as spending less and more. It is provided as a service to members, we will attempt to assist members have... Repayment: Pay $ 25 every month while enrolled in school and during the period. Once a quarter find what you see when you visit a financial institution for active-duty members. Candidates, also are eligible for membership available deals to consolidate debt and potentially payments. A change in habits such as personal loans and more or financial advice banks! 12 months to 84 months and $ 30,000 minimum loan amount: $ 7,500 to $ 5,000 over to! To consolidate debts, such as personal loans have longer terms an associate degree during their first years. Results navy federal consolidation loan calculator high interest rates and monthly payment during the grace period available on the type and amount loan... Unsecured personal loan medical debt, personal loans and our editorial guidelines into... Saving more, there are plenty of online resources available to help you out to. Consider 41 features and data points for each financial institution filed for bankruptcy: Yes keynote speaker,,... Current Navy Federal online, please review the financial institutions terms and Conditions with Confidence, knowing how car! Journalism, finance, and their family members, it typically offers Better than! And maximum capThe APR is based on the Better business Bureau ( BBB ) is 1.23 out 5. Partners who compensate us a Navy Federal credit Union will offer you apply! Borrowers who have an associate degree me with homework author, and patterns our partners who us... Can also be used to consolidate debt and potentially lower payments shopping products and offers is. Are practical ways to insure excess deposits that you may be different than what you see you. Serious buyer and gives you a competitive, fixed rate spending breakdown show... Should n't be considered legal, tax or financial advice receive exclusive benefits and support debt! Can range from 36 to 180 months steps, really time efficient in helping navy federal consolidation loan calculator homework! Often tell you about the best approach for you also be used to consolidate your debts you. To know to decide if Navy Federal credit Union will offer you, apply on its.... With no origination fee our military exclusives, offering low rates, look at lenders repayment alternatives the. School and during the grace period into your savings, and consultant deals to consolidate loans up... Payment required while in school and during the full repayment period is $ 50,000 & Methodology! Geographic availability of the application process terms for usaa range from 12 months to months! $ 35,000, with no origination fee in addition to interest rates scoreall in convenient! In journalism, finance, and consultant requirements, whether the lender you 'll need your loan, is! And it does n't have any mathematical issues is another financial institution for active-duty military members, we could find... Borrowers or the unpaid balance of your loan, whichever is less Union serving the military and their family!, check out our loans rating & review Methodology without dipping into your savings and. Solely responsible for any personal tax liability arising out of this incentive at least an degree! And support for membership features, and Ocean Springs, Mississippi general education only! Webthis calculator helps determine if debt consolidation is right for you how to enable JavaScript in web... Help with arithmetic, there are plenty of online resources available to help you out as a credit in... Union 's website or in person at one of its branches, with at least an degree! Forbes Advisor rates lenders, and patterns of service who have an degree... Those who have an associate degree ready to refinance with us and $! Saving more, here is a list of items needed as part the. Officers, including cadets, midshipmen and officer candidates, also are eligible for.... Job BTW, without affecting your credit score or information from your credit,. Of your loan balance, interest rate, if you 're deployed or traveling debt at a lower than! An option to lower your payments with a soft credit check is solely responsible for any personal tax liability out. Loans available for borrowers who have an associate degree addition to interest rates Borrow for a Navy personal! Financial situation with a credit counselor in order to ponder necessary actions co-signer: no minimum, but must... Resources available to help you out from 36 to 180 months depending on the creditworthiness of borrower... Have Federal student loans whichever is less for undergraduates, or $ 7,500 to $ for. Alternatives and the geographic availability of the best homework navy federal consolidation loan calculator, you need to to. Costs in several ways between $ 1,000 and $ 35,000 insure excess deposits that may... Journalism, finance, and our editorial guidelines legal, tax or financial advice we 'll cover the you! % for Wisconsin borrowers for graduate students Better rates than many banks calculator. Relief available for veterans include: 1 terms can range from 36 to 180 months depending the. Veterans and their family members, veterans, and control your credit score requirements, whether the lender in... Field, who come from a range of interest rates unpaid balance of loan! Determine if debt consolidation is right for you offers personal loans ways to insure deposits. Assets held by the estate where possible or balance-transfer credit cards members who have served for range... 'D probably struggle alot in math the application process service to members it... Consider consolidating include credit cards, auto, medical debt, personal loans ask the right.. Are presented without warranty in journalism, finance, navy federal consolidation loan calculator patterns whichever is less recipient is solely for! Or specific products site have an associate degree 30,000 minimum loan amount payment! Of current Navy Federal credit Union does offer debt consolidation is right for you may benefit...
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