Your debt should still be kept low and in case of extra money, save, invest or pay off mortgage early with any extra cash as
prepayment of a consolidation loan usually has penalties.
Not exact matches
If you choose a debt
consolidation loan with a lower monthly payment, it might take you longer to get out
of debt than if you had just kept paying off credit cards, but it's up to you — you have the option to pay extra money toward your credit card debt each month, as long as there are no
prepayment penalties.
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