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Myth: Debt consolidation saves interest, and there’s one smaller payment.Truth: Debt consolidation is dangerous because it only treats the symptom.Pay smaller loans first Eliminating several smaller loans and debts first may be a better solution.

Some borrowers wind up in worse shape, either because they run up their credit cards again or because their debt remains overwhelming despite the better repayment terms.Even if you don't have a stack of credit card bills with high interest rates, you may have school loans, car loans or high-interest loans.There are ways to manage your debt so you can pay less in interest, minimize monthly payments and eventually eliminate these loans altogether. A lower interest rate allows for a higher portion of your payments to go towards paying off the principal of the loan, so you can pay off the debt faster.Others succeed because debt consolidation is part of a bigger plan to gain control over their finances.So the first step in debt consolidation is simply to consider whether it will actually work for you.If the loan balances on your high-interest debts are within your reach to pay, this can be a good strategy.However, the debt with the highest interest rate may also be the largest loan or debt you have, meaning it will take longer to pay it off and make a dent in your overall debt load.Consolidation works best as part of a larger plan to become debt-free; it shouldn’t just be a way to buy some breathing room.If you are consolidating debt just to get a lower interest rate without really knowing how you’re going to pay the debt off, then you are simply moving the problem around instead of facing it.You can’t borrow your way out of debt in the same way you can’t get out of a hole by digging out the bottom.Getting out of debt isn’t quick or easy, but it’s the first step to achieving lasting financial health. It simply means you’re taking out one loan to pay off a bunch of loans—or consolidating the debt to one payment.