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Bankers often refer to debt consolidation loans as the never never plan well so what arent debt consolidation loans good because they lower the interest rate that youre paying Ted and I discuss it starting right now [Music] this is debt free in 30. heres your host Doug hoyes okay Ted welcome back lets start with a definition what is a debt consolidation loan oh thats an easy one thats where you get one large loan to pay off all your other debts thanks for coming out people out I guess were done that was a really easy show so okay were going to get to the point here but why would someone get a debt consolidation loan well so the premise is that if youve got a bunch of credit cards and other debts the interest rates are most much higher than they would be on a simple bank loan so you get the consolidation loan so you get a lower interest rate thereby reducing your total monthly payments so it improves your cash flow improves the expenses that youre paying for borrowing somebod
