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When you work with nonprofit debt consolidation companies, you're not taking out a loan to pay off your bills.

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Getting out of debt isn’t quick or easy, but it’s the first step to achieving lasting financial health. It simply means you’re taking out one loan to pay off a bunch of loans—or consolidating the debt to one payment.

Once the introductory period expires, the rate you’ll see on a balance transfer card is usually higher than on a personal loan.

You’ll also have to avoid the temptation of making further charges during that time. Fixed payments ensure that you’ll pay off debt on a set schedule.

With a debt consolidation loan, a lender issues a single personal loan that you use to pay off other debts, such as balances on high-interest credit cards.

You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.

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