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Debt Consolidation

Debt consolidation is the replacement of multiple loans with a single loan, often with a lower monthly payment and a lower interest rate. It can also be called a consolidation loan.

Debt consolidation loans are often packaged as home equity loans. A home equity loan (sometimes abbreviated HEL) is a type of loan in which the borrower uses the equity in their home as collateral. These loans are sometimes used to help finance the consolidation of bills, major home repairs, medical expenses or college education.

Yet debt relief that is performed through the use of debt consolidation loans can actually extend the period of time that one remains in debt. What's more, in the case of a home equity loan that is used to pay off credit card debt, what actually occurs is the exchanging of unsecured debt for debt that is secured using one's home as collateral. This is always a risky proposition.

The debt relief programs and services as offered by National Debt Relief Program do not involve the use of loans of any kind. How much debt relief can you achieve through National Debt Relief Program? Get a free savings quote today!