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The best way to consolidate credit card debt under ,000 could be to get a zero-percent interest credit card and transfer balances from high-interest credit cards over to it.You also could look at a personal loan to pay off your balances.

Another DIY way to consolidate your credit card debt would be to stop using all your cards and pay using cash instead.

All payments made during that time will go toward reducing your balance.

When the introductory rate ends, interest rates jump to 13–27% on the remaining balance.

If you need help getting out of debt, you are not alone.

Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.

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