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Page 1 of 3About one half of all American households are carrying credit card debt, with an average balance above ,000.

You’ll find out the best places to apply for a personal loan and how consolidating affects your credit.

Free Resource: Request an invitation to join Dominate Your Debt—Laura’s private Facebook Group A personal loan is money you borrow to pay for just about anything, such as your wedding, a dream vacation, a new computer, medical bills, or to consolidate other debts.

There are two main types of personal loans: secured and unsecured.

After all, consolidating is fairly easy to do with so many offers for consolidation loans out there and so many financial experts recommend it, how could wrapping all your debts up into one monthly payment go wrong?

While in many cases consolidating debts makes a lot of sense, it isn’t always a smart move.

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