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Keeping an eye on those loans and their respective payments could ensure the debt doesn’t raise through the roof.For people struggling to make payments, there are options out there. One of the most important pieces of advice is to know the loans, as well as the grace period.Each loan is different, but federal loans have basic commonalities.It is important to know the statistics concerning specific loans and repayment plans.Did you know that many people who fail to pay off their credit card can really get stung by how expensive the interest rate is? In fact, a person who pays only the minimum balance on their credit card each month will pay almost half again as much for their purchases simply in interest! Each debt that has a higher interest rate should be pulled together and put under the umbrella of a secured loan.A Secured Loan uses the value of your assets, such as your home, car, stock certificates, or other assets as security against the loan.It’s hard to believe that major debt collection companies in the United States are not always abiding by federal laws, and often cannot prove that they have the legal authority to collect on an alleged debt, and at times they even violate federal laws by harassing consumers illegally or by reporting inaccurate and derogatory information on a person’s credit report.