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[Music] hey whats up everybody shelby here from superior credit experts and today were going to talk about the top at least three to five but at least the top um alone or lenders or creditors or banks to go through for a consolidation loan okay if you guys dont know what cons what consolidating your debt is or a consolidation loan is its pretty much a loan that allows you to pay all of your debt off and you only have to pay to that one entity that one bank okay you only have to pay that one loan so for example if you have five different student loans right and they all total up to about less fifty thousand dollars okay 10k a piece then a consolidation loan will actually come and step in and they will actually pay the phone or give you the the money to pay the full um 50k off and then you will only have to pay with interest um to that one loan it also helps you out with your credit score it helps out with your credit in general because when you consolidate your debt your instead of