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Paying Off Your Debts Quickly Enrolling in a Debt Management Program Consolidating Loans Avoiding Bad Options Community Q&A It’s possible to pay off debt without harming your credit.In fact, the faster you pay off your debts the more your credit score will improve.That’s because, unlike other methods we’ll describe below, you don’t have to negotiate with your creditors in order to do debt consolidation.Debt consolidation entails taking out a new loan (called a debt consolidation loan) to pay off your existing debts.So before you get caught up in paying thousands of dollars to a company that’s not trustworthy, read through the information below and learn what you need to know about the most common ways to get out of debt.Check your rate using Ready For Zero's free debt consolidation tool.For example, if you use a search engine like Google to look up information about debt settlement or debt consolidation, you’ll likely come across many unsavory companies trying to lure you into their clutches before you stumble upon any reliable explanation of how the process works.

Below, you’ll find concise explanations of the five major ways that Americans get out of debt: We’ve found that using traditional methods to search for information about these programs doesn’t work.

Debt consolidation offers debt relief by consolidating your monthly debt payments into one affordable payment.

Debt consolidation programs are offered by debt consolidation companies and by nonprofit credit counseling agencies.

The benefit is that over time, as you make your payments on time, you will maintain a positive credit history and continue to help your credit scores.

The second service that is often described as debt consolidation is actually debt settlement.

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