bniba/b twazakorera aho ati uzagure udukingirizo. umugoroba umwe naratashye nsanga ahetse umwana ndamubwira nti ryamisha umwana turebe icyo twakwimarira yaramuryamishije arasohoka arongera yinjira aho b....../b appliance needs, bvacations/b, and next year's tuition payments. Failure to do so can lead to a demoralizing step backwards -- to credit card debt -- just when you were starting to make real progress. Q. Should I consolidate multiple debts under one loan? ...