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2. Debt consolidation without a loan: Here’s how to do it

   www.aol.com/finance/alternatives-debt...

   Reason: Debt settlement will impact your credit negatively for several years. Debt relief companies also charge fees of between 15 and 25 percent of the debt enrolled, which may cut your savings.

3. How to get a debt consolidation loan with bad credit

   www.aol.com/finance/debt-consolidation-loan-bad...

   Where to get a debt consolidation loan for bad credit. ... Consolidating a small amount of debt. 9.95% to 35.99%. ... Debt settlement.

4. These are the best debt relief options — which is ... - AOL

   www.aol.com/finance/different-debt-relief...

   Credit counseling: Credit counseling is a free or low-cost option that helps consumers get a better handle on their debt. Often offered by nonprofit organizations or agencies, you’ll be ...

5. How to get debt relief - AOL

   www.aol.com/finance/where-debt-relief-help...

   If you have over $7,500 worth of unsecured debt and your credit is in bad ... to 25 percent of the total amount of debts settled. ... and debt settlement services, to help you get out of debt ...

6. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   Debt settlement is a process that lets you settle large amounts of debt for less than you owe, and it is offered through for-profit debt settlement companies. Typically, these programs ask you to ...

7. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   A balance transfer credit card lets you move existing debt from various credit cards to a single card. These specialized credit cards can offer a low or zero-introductory annual percentage rate (APR).