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If you have more than three debts and your creditors want different amounts of money at different times of the month you may find it difficult to co-ordinate your payments in a way that works with your budget.

Bad credit can cause lenders to increase interest rates on unsecured consolidation loans, to make up for the risk.

You can generally consolidate personal loan, car loan or credit card debt.

The lender may repay the debt on your behalf or you may be required to use your debt consolidation loan funds to pay out your existing loans and close the accounts.

Debt consolidation is a solution that enables you to refinance all of your existing debt from multiple sources into one monthly repayment to a single lender.

Many people who are in need of a debt consolidation loan may be concerned with how their credit rating might affect approval, and the terms of their loan.

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download the selectoptionfield_file from below link, extract files and include them in view, controller and model directory of your codeigniter framework as shown in the Read file.