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People are beginning to change the way they think about money. Free Credit card debt consolidation and dealing strictly in cash are two of the new the most common changes that people are making. Truthfully, the only free method of paying off your credit card debt is doing it on your own. A debt consolidation loan will require you to pay closing costs, but you may be able to have them added to your loan. But, if you have debt it is not in best interest to payoff debt with debt. Most debt co