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Minimum payments on credit cards typically range between 2.5% to 4% of your balance.

In this article, however, we focus more on clearing up any confusion about your different consolidation options and their effects.

So, if you have a balance of ,000, your required payment would be between 5 and 0 per month.

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Only by weighing the pros and cons of each solution, can you know the best option for your situation.

Editor’s Note: There is a lot of information available on how to consolidate debt, but much of it is through the fog with simple tips and tricks you can use to consolidate debt wisely.

A smart first step is for you to define your goals.

You need a clear understanding of what you want to achieve and how it will benefit you, in order to make the right debt consolidation choice.