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Debt consolidation

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What Is Debt Consolidation? How It Works and What It Costs
Debt consolidation rolls several debts into one payment through a new loan, card or plan. How each route works, what it costs, and when it doesn't help.
12 min read
Balance Transfer vs Personal Loan: Which Costs Less?
Balance transfer vs personal loan: a transfer is often cheapest if you clear it before the promo ends; a loan gives a fixed payment and end date. Compare both.
9 min read
Can I Use 401k to Pay Off Debt? Loans, Taxes and Risks
Can you use 401k to pay off debt? Only if your plan allows a loan or a withdrawal. How each one works, the tax risks, and gentler options to try first.
9 min read
Does Debt Consolidation Hurt Your Credit? What Changes
Does debt consolidation hurt your credit? It can, at first. How a balance transfer, a loan or a debt management plan touches each part of your credit score.
9 min read
What Is a Balance Transfer? How It Works, Fees and Rules
What is a balance transfer? You move card debt to a card with a low intro rate, usually for a fee. How it works, the six-month rule and when it backfires.
9 min read

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