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    Before you consolidate, consider the following pros and cons: Note: Just remember, you must continue making payments after submitting your application until you receive notice from your servicer that underlying loans have been paid off.You have the option to select the servicer of your choice (of which, Nelnet is an option) After your new Direct Consolidation Loan is complete, you may still add more eligible loans to your existing consolidation.Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.If you are looking for a way to simplify your monthly payments, consider a personal loan for debt consolidation from One Main.Debt consolidation consists of taking out one new loan to pay off multiple debts.That's where debt consolidation and other financial options come in.

    There are three major types of debt consolidation: Debt Management Plans, Debt Consolidation Loans and Debt Settlement.In other words, you are replacing multiple loans with one loan.For example, if you have six different debts with an outstanding balance of ,000, you could apply for one personal loan for that amount.These are not quick fixes, but rather long-term financial strategies to help you get out of debt.When done correctly, debt consolidation can: There are several ways to consolidate debt, depending on how much you owe.

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