BECAUSE FINANCE CHARGES ON UNCONSOLIDATED DEBTS ARE THERE AS A PENALTY, INSTEAD OF SIMPLY NORMAL LOAN

PAYMENTS

BECAUSE LATE FEES ARE ALWAYS LOWER ON CONSOLIDATED LOANS THAN INDIVIDUAL LOANS

BECAUSE THE ACT OF CONSOLIDATING A LOAN CAUSES CREDITORS TO REDUCE THEIR LATE FEES

CONSOLIDATED LOANS ARE NOT USUALLY ANY LESS EXPENSIVE