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"Trying to figure out how to manage your debts can be challenging if you don't know where to begin. The consistent worry of the loan that you owe combined with the confusion of dealing with multiple financial institutions can lead you to m…

"When financially-troubled consumers evaluate their get-out-of-debt alternatives, it's my experience that far too many of them get unnecessarily hung up on how a specific option will affect their FICO scores. Although you should always bea…