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While it’s not exactly fun to be locked into the typically long repayment periods (especially with student loans and mortgages), at least you know for sure they’re going to be paid off as long as you stay the course. Think about it, with an installment loan, as long as you pay the minimum on time every month, you’re guaranteed to pay the loan off.

But if you do the same and make minimum payments on your credit cards, you could be facing endless years of debt. So what are you supposed to do to pay off your credit cards? Credit card debt consolidation can take on many forms but the the purpose remains the same no matter the form: simplify your payments and lower your interest rate or rates.

Since you have a credit card, the chance that you carry a balance is fairly high - and so is the chance that the interest rate on your credit cards is fairly high, too.

So, how can you avoid paying such high interest rates to the credit card companies whom you owe?

Adding 5-10 monthly credit card bills can overwhelm your bill-pay. Going on vacation or having a hectic few days can result in several late payments and hundreds of dollars in fees.

Nonprofit credit consolidation companies provide you with the convenience of making one monthly payment to help you become debt free.

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You might pay down your debts through a balance transfer or interest rate negotiation.Consolidated credit companies, like credit counseling agencies, usually point consumers at debt-relief options like a debt management program, debt settlement, a debt consolidation loan and, in extreme situations, bankruptcy.With credit consolidation, you take out a new loan and use it to pay off smaller loans.The lender will pay off your credit card bills, and in exchange you’ll enter into a loan agreement with the lender to pay back the money.For a credit card consolidation loan to be worth your while, you’ll want a plan that offers a lower interest rate and/or lower monthly payments than you’re currently paying to your creditors.Besides being expensive (and often coming with unnecessary feelings of shame), credit card debt can be so darn .