International debt consolidating loans
“Some people have the notion that you’re going to have to go back and forth with a lender, send documents, have meetings and interviews, and that’s not the case,” Smith says.
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But your total interest costs can increase if you extend the repayment term.
For example, ,000 in credit card debt at an annual percentage rate of 15%, and monthly payments of 0, means your total payments would be ,800, and it would take 3½ years to pay it off.
Many debt consolidation loans carry no extra fees; rather, the interest is your only cost.
Other loans may have a one-time origination fee that covers the costs of processing the loan, or small fees for late payments or processing checks.