This is why it is wise to make sure you know what you are getting into if you plan to refinance to consolidate your debts. Some loans permit buyers to repay the loans in 25 years, while others allow 30 repayments. ...

More... (http://www.flixya.com/post/xbox360/45373/Basics_of_Debt_Consolidation_and_Refinance)

(Source: Google Blog Search)