I just started a debt consolidation plan. I had to because I am having a baby in March and need to be able to save some money before she arrives rather than stressing over credit card payments, fees, etc. I have already resigned to the fact that my credit will be in the toilet for awhile.
My question is, am I able to pay extra in the months where I have extra? Do I send it to the debt place or to the credit card companies individually?
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