Consolidating credit card debt with personal loan

In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both.

Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.

You’ll not only have more options and solutions available to you, it will ease your stress and you may even sleep better (we find this is true with more than 60% of the people that we help).

There are several ways consumers can lump debts into a single payment.

One is to consolidate all their credit card payments onto one new credit card – which can be a good idea if the card charges little or no interest for a period of time – or utilize an existing credit card's balance transfer feature (especially if it's offering a special promotion on the transaction).

Getting help from us is as easy as giving us a call or chatting with us online.

We know that it can be hard to ask for help with your debts, so we do everything we can to answer your call quickly, provide you with the information you are looking for and book you a free credit counselling appointment if that’s what you need.

While credit companies are under no obligation to negotiate your payments, the best debt consolidation companies may be able to consolidate your debt to a single, monthly payment or negotiate to lower the total amount of debt that you owe.

When you start pursuing debt management options, you may get many mixed messages from those in the debt relief industry.

Our appointments are either in-person, in one of our offices, or over the phone; whatever is easier for you.

The appointment doesn’t cost you anything, it’s completely confidential and without obligation.

Theoretically, any use of one form of financing to pay off other debts is practicing debt consolidation.

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