"This does cause major problems because if a financial company finds any false information then it is almost certain they will turn down your student consolidation loan application."
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This method is not suitable for everyone but it has been known to work and all advice that you will be given from debt counsellors is completely free.
It is important to search carefully because even though the standard rates are going to be higher than that of a person with an excellent credit history, it is certainly possible that companies that specifically deal with bad credit consolidation loans can offer a better rate and an affordable monthly payment that doesnt break the bank.