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Are your loans getting the better of you? Don’t panic, the problem lies in the fact that you have too many loans, including your credit cards, and the repayments just seem to be getting the better of you. All is not lost, what you need to do is to have a Debt Consolidation plan.

By consolidating all your loans into one, including that credit card debt, you can save heaps and it all becomes more manageable as well. Once you’ve consolidated your loan, you may want to be more careful with your credit card. If you really must have one perhaps you should consider getting one with a lower credit card rate.