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Balance Transfer

Transfer high interest debt to lower interest rates. Look into introductory offers on credit cards. Make note of the months offered and the interest rate once that offer expires. If you need more time look for another introductory offer. If none are available you may want to consider a debt consolidation loan. If you decide to go the consolidation route close all but one credit card and only use it for extreme emergency. Remember the goal is to be debt free.

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