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adam for parallel wealth here financial tip number 34 is what is a consolidation loan so a consolidation loan is when you walk into your bank or financial institution and consolidate all of your debts okay theres a lot of you watching these videos that have you know two three four ten credit cards and you have balances on all them youre paying you know 11 to 35 in interest okay you need to get a consolidation loan in place what that is is youre theyre going to take your 10 credit cards with balances and all them theyre going to put it on to one loan at the bank okay that loan will have an interest rate between five and ten percent much lower than your credit card and itll have a set payment plan okay typically its three to seven years itll be paid off depending on how big the debt is okay so lets consolidate all your debt into one place lower the interest rates and have a payment schedule okay if youre sitting there with a lot of debts all over the place at a high interest r
