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This tool compares the total cost of keeping multiple credit cards with consolidating the debts into one card. Debt consolidation allows a borrower to combine payments to various creditors into a single loan, hopefully at a favorable interest rate. In this case, all the other creditors are assumed to be credit card companies.

25 Laptop Prom Limeade Dakine Backpack Liter Total cost is discounted to present value, which is the value of a payment, or series of payments, in today's dollars.

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