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It isn't easy to pay off your debts. People who accumulate debt do so because they don't have enough income to deal with their bills. How can deal with their debt? The fact is that debt consolidation can do the trick, and you can learn how below. First, study your credit report. You have to know why you are in this position to start with. This helps you avoid making the same mistakes again. Following debt consolidation, budgeting your money wisely will help you keep future debt to a