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As of 1 July 2010, there’s only type of federal consolidation loan: the Direct consolidation loan.

You can consolidate your defaulted federal student loans into a new Direct consolidation loan and have your new monthly payment tied to your income.

However, a site called Credit Sesame offers a solution to help you tame your debt and finances without eating up too much of your day. It’s a free online service and tool that allows you to optimize your debt situation.

Beyond just allowing you to keep an eye on your credit status, it also offers a way to help you manage your debt better.

Gail Says: You know I have a perfectly good book that explains this step by step, right? Get your hands on a copy and follow the steps laid out. You're going to have to change some behaviours, no doubt, but if you're serious about becoming debt-free, then just make up your mind to make it so.

Z Wrote: My husband and I are 58 years old, own our home and we have no debt.

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Bumble is a dating app that only allows women to initiate contact in opposite-sex connections; in same-sex connections either party may initiate contact. Since 2012, Tinder has been matching singles based on their social profiles and geographic location. Both users must “swipe right” before being matched and are then able to chat within the app.

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And, while talking of her dating life, we can not leave out Kim’s love life with rapper Ray-J and NBA player Kris Humphries.