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If your debt is unmanageable — you’re drowning in multiple monthly payments, only paying on the interest, or just can’t keep track of it all — and you’re considering debt consolidation, there are a few things to know before you make your decision, starting with what it is. “Debt consolidation takes multiple debts, like credit cards and high-interest loans, and rolls them into a single monthly payment,” says Annie Millerbernd, personal loans…

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