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Consolidating secured unsecured loans

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When an individual is unable to pay off a number of loans that do not have collateral, he may choose to consolidate his loans.By combining his existing loans into a new loan, he has higher chances of paying them off.

Lending Club is the nation’s largest peer-to-peer lender.

There are two basic types of personal loans: secured and unsecured.

A secured loan is backed by an asset that the lender can seize if you don’t repay the loan.

A good idea is to keep one’s credit cards out of sight and out of mind.

This makes it easy for the borrower to prevent himself from using them and getting back into debt, which also helps him to avoid the temptation of applying for new credit cards.