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SmartMoney Home: Personal Finance: Debt Management:

Loans: Debt, Bankruptcy, Loan Consolidation

Debt Management

Consumer Action
Loan consolidation no longer makes sense for most people. Here are the alternatives.
Worksheets
How long will it take to pay off those credit-card bills? Our new calculator will tell you.
It can cripple your retirement savings. But if you're paying obscene amounts in interest, it's one way to dig yourself out of the hole.
Once you see how much money you're wasting, you might get motivated to pay off those credit cards.
Student Loans
In order to get a student loan, you need to talk the talk. From the basics of Stafford to PLUS loans, we'll have you sounding like a pro.
Not all financial aid packages are alike. Here's how to figure out if the offer is as good (or bad) as it looks.
Credit Cards
Check the latest rates, and search our database to find the best card for you.
As Americans struggle to reduce debt, card companies are getting smarter about making us pay more. Here's what to watch out for.
Credit-card rewards programs can be worthwhile if you use them wisely. But watch out for these 10 costly pitfalls.
Your Credit Score
Looking to borrow? Your credit score had better be good. Here's how you can raise it.
In some cases, declaring bankruptcy could help — rather than hurt.
Fixing errors on your credit reports is supposed to be easy. But for some, it's nearly impossible.

Overall Debt
It's one of the newest, most effective ways to battle identity theft. But there are trade-offs.
We answer the 10 most commonly asked questions about filing for bankruptcy.
The creditors are calling. The bills are mounting. The panic is swelling. Here's how to get back on track.
Mortgage Debt
With mortgage rates up, savvy consumers are transferring home-equity loans to credit cards.
If you're strapped for cash, it may make sense to put some of your home's value to work for you. Just be sure to weigh the options carefully.
The average interest rate for a home-equity line of credit is currently about 8% (before the tax break). Now, how much are you paying on those credit cards?
Don't fall prey to home-equity loans that allow you to borrow more than your house is worth.
Auto Loans
Which is the better auto deal? Crunch the numbers in our new worksheet to find out.

 
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