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“We find a substantial increase in bankruptcy rates, debt collections, debt consolidation loans, and auto loan delinquencies” in those states, they wrote, consonant with an increase in excessive debt among players.

If you can’t find a lower APR rate with a balance transfer, look for a debt consolidation loan through a lender like SoFi.

With a debt consolidation loan, you’ll only owe one lender instead of multiple.

Her multibillion-dollar debt consolidation company is cruelly named Redemption Services.

Fixed-rate debt consolidation loans are available to borrowers across the credit spectrum at banks, credit unions and online lenders.