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    Episodes of mania can last between three to six months, while depression can go on for as long as 12 months.

    Consolidating loans good or bad

    If you’re one of the millions of Americans with overwhelming credit card debt, you may have looked into a credit card consolidation loan to tackle your debt.

    And while a consolidation loan for credit cards can be a good option when you have a lot of bills to pay off, there are plenty of alternatives to consider. Review your current financial picture and goals with a financial advisor or specialist certified credit counselor to determine the best plan for your needs.

    SEARCH RATES: If you're considering a personal loan for debt consolidation, first check out the rates at

    Overspending, having no savings, and buying things you can't afford are. Let's say that you are ,000 in debt not counting your home.This is especially true if you have a bad credit score.Repeat after me: NEVER CONSOLIDATE FEDERAL LOANS WITH PRIVATE LOANS!If you read every article on this website, and you only learn one piece of information it should be to not consolidate your federal loans with your private loans.This is a mistake that could cost you a fortune in the long run.

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