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To create your own debt consolidation plan you need to be able to cancel all of your credit lines and request a lower interest rate on the debt you have left. This will giver you an idea of exactly how much money you need to cover with your debt consolidation plan. A good start is to transfer as much debt as possible to the credit card that has the lowest interest rate and this will be the focus of your debt consolidation plan, rather than trying to cope with many different loans from a number of different creditors. Another option to consider in your debt consolidation plan is to get a debt-consolidation loan from a bank at a lower rate.

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