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Interest is the fee charged by the creditor to the debtor, generally calculated as a percentage of the principal sum per year known as an interest rate and generally paid periodically at intervals, such as monthly. Although there is variation from country to country and even in regions within country, consumer debt is primarily made up of home loans, credit card debt and car loans.Household debt is the consumer debt of the adults in the household plus the mortgage, if applicable.
These require the individual to put up a home as collateral and the loan to be less than the equity available.
You should get free debt advice before you take out a secured debt consolidation loan.
Before you choose a debt consolidation loan think about anything that might happen in the future which could stop you keeping up with repayments.
This is the cheapest way if you repay within the interest-free or low-interest period.
You need a good credit rating to get one of these cards.
Consolidating all your debts into one loan might appear to make life easier but there might be better ways to pay off debts.
Find out more about how debt consolidation loans work, then get free debt advice before you make a decision.
Individuals can issue debtors a personal loan that satisfies the outstanding debt and creates a new one on their own terms.
These loans, often unsecured, are based on the personal relationship rather than collateral. In a federal student loan consolidation, existing loans are purchased by the Department of Education.
If you can’t stop spending on credit cards, for example because you’re using them to pay household bills, this is a sign of problem debt.
You should get free debt advice before taking out a debt consolidation loan.
However, such consolidation loans have costs: fees, interest, and "points" where one point equals to one percent of the amount borrowed.