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Finding a wrong debt consolidation loan could land you in deeper debt woes instead of offering you relief. Every cent counts when you are struggling with debt. For many folks, looking for a debt consolidation loan for the first time can be a daunting task. I will share with you some quick tips on what to do when selecting a loan to consolidate your debts.

Securing a loan to quickly relieve your debt can be an emotional decision, but it is important to note that rationality and practicality must rule so that you can weight the pros and cons in your decision making process. Do not just jump into any loan that is readily available to you.

One very critical factor to consider in all debt consolidation loans is the rates and terms of conditions offered by debt consolidation loan companies. This whole business of consolidating debts is a huge and fiercely competitive one. You should be able to compare the rates among these financial companies, ie lenders and sieve out those which are low and affordable to you.

Before you settle for a loan, be sure to look at the two main options available – secured and unsecured loans. Secured option requires you to pledge collateral. What is suitable as collateral? In most cases, the house is used as collateral in order to secure a loan. The advantage of this option is the tax-deductibility nature of the loan interests. The repayment period also tends to be longer and this would buy you some time to take a breather and slowly repay your loan.

However, since this may involve mortgage refinancing, there could be expenses you have to fork out, and the subsequent refinanced interest rate you have to pay could be higher than the original mortgage rate. This might not be what you can afford. So you really have to consider it carefully.

If you feel uncomfortable with using your home as collateral or simply don’t have collateral, there are always unsecured loans for you to fall back on. Since this option is considered to carry higher risks to the lenders, you can expect the interest loans to be higher in most cases. The lender will assess your case before granting you the loan. Your credit rating and other factors that directly influence your ability to repay your loan such as whether you are holding a stable job, has any medical history of ill health etc would affect your eligibility for the debt consolidation loan.

Unsecured loans are a better option if your debts are small and can be repaid within a span of few years.

One final step before applying for any loan is to perform a ratings check of your prospective lender at loan rating websites such as www.debtconsolidationcare.com or www.bankrate.com. Read the reviews posted by those who have used a debt consolidation loan company, or lender. These are honest comments given by folks who are or have been in the same debt situation as you.

About the Author: Davion is a successful webmaster and author. Find out more about debt consolidation loans – how it can help you deal with your debt woes at his website http://DebtConsolidationTips.etc-now.com.