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This is a guest post. Like so many of you, I often struggle to make my credit card, school loan and car and mortgage payments. I admit to being seduced by the thought of getting all my debts lumped together so that I can make just one single payment instead of having to remember to make many payments. I discovered that there are several different debt consolidation options out there. So, how do you know which consolidation method is right for you? Balance Transfer Credit Cards If you have mainly credit card debts, balance transfer credit cards might be...