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pnutbuter

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Should I accept loan offers that would allow me to consolidate my cards?
I have around 50,000 balance on 4 credit cards w/APR from 4-14%, I have been receiving many offers to take a 50,000 loan, that would allow me to consolidate to one payment, some offers are: APR average 6% w/payoff within 5 years. I would like to retire within the next 7 years. This would allow me to start my retirement w/a lower debt ratio. Is this a good plan?

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