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Student Loans in the UK can not be included in Bankruptcy, but do not affect a persons credit rating because the repayments are recovered from the students future salary at source by the employer before any income is paid, similar to Income Tax and National Insurance contributions.

Many students however, are struggling with commercial, non student loan debt well after their courses have finished.

Our credit counselors may determine that you qualify for a government housing program that can lower your monthly mortgage payments.

As a nonprofit credit counseling company, we help you regardless of your ability to pay for counseling and other services.

However, such consolidation loans have costs: fees, interest, and "points" where one point equals to one percent of the amount borrowed.

We may recommend our debt management program: a program that consolidates your payments into one, and request lower credit card interest rates from on your behalf.

We may also provide you with referrals to governmental and nonprofit organizations that can help you improve your overall personal financial situation.

The debt relief industry is rife with scammers: companies looking to take advantage of debt-distressed consumers.

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. Although there is variation from country to country and even in regions within country, consumer debt is primarily made up of home loans, credit card debt and car loans.

Household debt is the consumer debt of the adults in the household plus the mortgage, if applicable.

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