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Consolidating federal student loan debt is something we do through the government programs. Loan forgiveness is included inside the student loan relief plans at Golden Financial Services.This client was able to get a “zero dollar per month” payment on their debt consolidation loan.At times, bankruptcy may be the best option to eliminate all of your debt including secured and unsecured debt.This concept is similar to how a lawyer challenges a speeding ticket and gets it dismissed.Debt consolidators can offer you a debt consolidating loan to pay-off all your debt including a car, student loans, credit card debt and any type of debt can be included when it comes to consolidating debt.The problem is that not everyone can qualify for a low-interest loan.For Immediate Assistance — Call The National Debt Relief, Settlement & Consolidation Hotline at 1-866-376-9846 — You can get free professional advice on all of the best options available in your state from an IAPDA Certified Agent!

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Credit card debt can also be paid off with a debt consolidation loan.Below, we provide debt consolidating alternatives for folks with bad credit.Golden Financial Services can consolidate your federal student loan debt.We have clients’ graduating our debt settlement programs and becoming debt free every single day — so debt settlement works.…Your credit score will usually go down in the beginning of the program.If you have a question, please do not hesitate to call our national debt relief hotline at 1-866-376-9846. You are doing the right thing and paying your debt back, but in return the banks and lenders overcharge you with fees and interest making it near impossible to ever become debt free. With that thought in mind, the following video was created.Watch this short video before continuing to read the rest of this page.Consolidators at Golden Financial Services are A rated by the Better Business Bureau (BBB) and Accredited Members at the Association for Student Loan Relief (AFSLR)We have the program in place that will consolidate your federal student loans, get you recertified every single year, and get your balance forgiven once you are eligible after a certain number of qualified payments.If you work in public service, including all of you teachers’ out there, we can get your balances forgiven even faster through the special public service program.Your debt-to-income ratio is a metric on how much debt you have — compared to your income, and this is the aspect of your credit that may cause you to get denied for a debt consolidation loan.As far as your credit score, you need to re-establish your credit score after graduating from a debt settlement program by getting new credit (such as a new credit card or a secured credit card).

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