Page 47 of the Total Money Makeover, by Dave Ramsey, shows that debt consolidation is dangerous because you treat only the symptom.  Debt CONsolidation is nothing more then a Con, because you think you have done something about the debt problem.  The debt is still there, as are the habits that caused it; you just moved it!  78% of the time, after someone consolidates his credit card debt, the debt grows back. We find that the lower payment exists not because the rate is actually lower but because the term is extended.  If you stay in debt longer, you get a lower payment.

Deanna was making payments on her own loans until she dumped them on me and left.  I doubt that Deanna has a financial plan now that she has left with Elayna.  With her debt placed on me, its now PAID OFF IN FULL.  She divorced me.  It saddens me that Deanna left so soon after I trusted her with joining finances, especially when she promised me she would never leave me!  I did not sign the Helock until she said those words to me.  30 days later she lied and left and divorced me.

Page 76 of the Total Money Makeover has  Proverbs 13:22 A good man leaveth an inheritance to his children’s children:  https://tinyurl.com/DaveRamseyTotal

That is why I am walking to work and making my own meals to save as much money as I can, so I have enough for retirement and also hopefully something for Elayna when she gets older.  I pay support right now, its not a lot, but then again I don’t get to see her.