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If you're comparing credit card debt consolidation loans, call American Consumer Credit Counseling (ACCC) before you make a decision.We're a non-profit company dedicated to helping consumers learn how to get out of debt and we offer a wide variety of educational resources to help you better understand how to pay off debts.Most debt consolidation loans are offered from lending institutions and secured as a second mortgage or home equity line of credit.These require the individual to put up a home as collateral and the loan to be less than the equity available.

Household debt is the consumer debt of the adults in the household plus the mortgage, if applicable.However, such consolidation loans have costs: fees, interest, and "points" where one point equals to one percent of the amount borrowed.In some countries, these loans may provide certain tax advantages.This is 889 billion dollars owed by American citizens, an average of about ,300 per total U. household and an average of about ,600 per household that has credit card debt.The convenience and security of using credit cards makes “plastic” a logical, normal way to pay bills on a day-to-day basis.

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Sex Positive Club (Formerly Sexual Assault Prevention Advocates)Our Mission: Western Sex Positive is a student led and faculty/staff advised group working to reduce sexual assault at Western, provide support to sexual assault victims, provide safe and positive sex messages to students and encourage dialogue on campus around responsible sexual relationships.

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