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	<title>Federal Consolidation Loan &#187; effects of loan consolidation</title>
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		<title>Adverse effects of loan consolidation on credit score</title>
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				<category><![CDATA[Consolidation loan]]></category>
		<category><![CDATA[Adverse effects of loan consolidation]]></category>
		<category><![CDATA[effects of loan consolidation]]></category>
		<category><![CDATA[loan Consolidation]]></category>
		<category><![CDATA[loan consolidation on credit score]]></category>

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		<description><![CDATA[Loan consolation is a measure taken for debt-management and payment. Due to several reasons one may need to consolidate his loans. One may do it to lower his interest rates on debts, or to lower his monthly payment. Some do it in order to have only one loan to manage.
Loan consolidation may have many benefits [...]]]></description>
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