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Credit counseling services provide various resources to help solve your money problems.

From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.

You can find free or low-cost credit counseling options at: Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings.

To find out if you qualify, contact your local Armed Forces Legal Assistance office.

So you can bet that where competition rules, advertising spin appears.

Here are 10 myths about debt consolidation and the truth about them.

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If the interest rate on this new personal loan is lower than the interest rates on the different credit cards that you are consolidating, you'll save money.We get lots of questions about debt consolidation at and that's because there are so many ways to consolidate debt.Let's start with the basics: debt consolidation refers to the act of grouping all your different debts into one single debt.For example, say you have three credit cards and decide to use debt consolidation to combine all three into one larger consolidation loan.In that case, the new loan would have a balance equal to the sum of the other loans. You've probably heard of credit card balance transfers, but another option is a personal loan.

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