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WebConsolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Determine how quickly you could get out of debt and your overall interest savings with this calculator. Consolidated Loan Information Annual percentage rate (0% to 40%) Number of years (1 to 40) WebIf you can’t work out a plan with your lender, contact a non-profit housing counseling organization. Reach a free, HUD-certified counselor at 800-569-4287. Also, contact … WebGather your bills (utilities, insurance, etc.) and pay stubs. Collect receipts for things you typically spend money on like groceries, entertainment, transportation, clothing, and everyday expenses. Add up all of your paychecks and any other income. Subtract your expenses from that. icd 10 code for akathisia