too early in the course? To simplify, you can merged under the credit line. Almost always possible to obtain more favorable terms, an installment lighter, longer life .
closing the previous loans is often possible to obtain additional liquidity with the convenience of having a single reference .
In many cases, an example for a debt restructuring will be added over time another personal loan, perhaps with a revolving credit card, only to complicate rather than simplify them. By consolidating the two debts, even after some time, most likely will get a total conditions more favorable.
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