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Thanks for giving your ideas. A very important factor is that individuals have a selection between federal student loan and also a private education loan where it's easier to opt for student loan debt consolidation than with the federal education loan.

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Another thing I've noticed is that often for many people, bad credit is the response to circumstances further than their control. Such as they may be actually saddled by having an illness and as a consequence they have large bills for collections. It can be due to a employment loss and the inability to do the job. Sometimes divorce proceedings can send the budget in the wrong direction. Thanks for sharing your thinking on this web site.