Dave ramsey and consolidating debt

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Not only does this free you up in that area, but you’d only spend the money when and if you did it.

As a new couple, you need to learn to set goals and work on things as a team.

Luckily, restrictions cap interest rates for former students who want to combine their federal student loans through the Direct Consolidation Loan government program.

The maximum interest rate for a federal Direct Consolidation Loan is 8.25 percent. If you have both private and federal student loans, however, you cannot lump them together under a federal consolidation loan.

He has written five New York Times best-selling books: “Financial Peace,” “More Than Enough,” “The Total Money Makeover,” “Entre Leadership” and “Smart Money Smart Kids.” The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations.

Follow Dave on Twitter at @Dave Ramsey and on the web at

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