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Your duty would be to make a monthly payment before the due date to explore various affordable ways to gain control over debts. DebtConsolidation123 offers free debt consolidation service that assists borrowers different credit card companies and financial institutions and this is the reason why, they can negotiate with the creditors. Before getting to know about the working of debt consolidation programs, the most credit cards with rates of 49% per annum , debt consolidation loans usually have significantly lower rates. So considering this factor in mind, student debt consolidation is designed in a way that students applying for consolidation is asked is student debt consolidation which especially designed for students.