| debt settlement vs debt consolidation rise over the life of the mortage (this also must be specified in the loan document). Refinancing may be undertaken to reduce interest costs (by refinancing at a lower rate), to pay off other debts, to reduce one's periodic payment obligations (sometimes by taking a longer-term loan), to debt settlement vs debt consolidation risk (such as by refinancing from a variable-rate to a fixed-rate loan), and/or |  |
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