Thursday, November 4, 2010. Should I Do Payday Loan Debt Consolidation? There are good and bad things when dealing with payday loan debt consolidation. When borrowers are in over their head with payday loans, they usually consider payday loan debt consolidation. Payday loan debt consolidation companies basically pay off your payday loans. You then pay them back, but at a slower rate than the original payday loans.

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