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I want to continue to work on my finances and am curious about which of these debts that I have should I consolidate?

Car loan, student loan, past due balances on billed accounts, money owed to family and friends, collection accounts, accounts with balances that are not regularly billed but need paid ASAP.

Of these that are not recommended for consolidation, what should I do about those?

Genuinely curious, and tired of stressing about this

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