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2. How to get a personal loan in 9 steps - AOL

   www.aol.com/finance/personal-loan-8-steps...

   You should also check their rates and use them with a personal loan calculator to get the most accurate idea of what your monthly payment will be. 3. Review lender requirements and gather ...

3. How to qualify for competitive rates on low-interest personal ...

   www.aol.com/finance/qualify-competitive-rates...

   In general, and especially with low interest loans, the higher your DTI, the higher your rates are likely to be and the lower your approval odds are. Most lenders look for DTIs under 36 percent .

4. When should I file for bankruptcy? - AOL

   www.aol.com/finance/file-bankruptcy-011643245.html

   Debt relief: Bankruptcy can discharge most unsecured debts, such as credit card debt, medical bills and personal loans. This can provide you with a fresh financial start. This can provide you with ...

5. Debt consolidation - Wikipedia

   en.wikipedia.org/wiki/Debt_consolidation

   Debt generally refers to money owed by one party, the debtor, to a second party, the creditor.It is generally subject to repayments of principal and interest. [9] Interest is the fee charged by the creditor to the debtor, generally calculated as a percentage of the principal sum per year known as an interest rate and generally paid periodically at intervals, such as monthly.

6. Chapter 13, Title 11, United States Code - Wikipedia

   en.wikipedia.org/wiki/Chapter_13,_Title_11...

   The disadvantage of filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual's credit report for up to 7 years (up to 10 years for Chapter 7); [5] still, it is possible to obtain new debt or credit (cards, auto, or consumer loans) after only 12–24 months, and a new FHA mortgage loan just 25 months after discharge, and Fannie Mae ...

7. Common personal loan myths — and the actual facts you ... - AOL

   www.aol.com/finance/common-personal-loan-myths...

   Myth: It is hard to get approved for a personal loan. ... You may even be able to find personal loan rates under 10 percent. The national average rate for credit cards is over 20 percent. This ...