Does consolidating student loans lower payments

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Several personal finance websites, including Nerd Wallet, offer free access to your credit score and credit report.Once the introductory period expires, the rate on a balance transfer card is usually higher than on a personal loan.In addition to paying off your balance before the rate increases, you’ll want to avoid making further charges.Look for a site that offers educational tools such as a credit score simulator or guidance on how to build credit.If you can’t qualify for a loan through a reputable lender, don’t head for a payday lender. For borrowers with good credit, a balance transfer credit card is an alternative to a debt consolidation loan.

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