Debt Consolidation Loans Explained: 6 Things You Need to Know

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Debt is a problem for many Americans. Especially now in the holiday season. So, what will you do when the holidays are over, and your credit card debt is piling up?

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Debt consolidation loans are a great way to combine your debt into one monthly payment, with less interest than you were paying on each credit card.

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Debt Consolidation loans allow you to put most or all of your debt onto one line of credit, or loan, to reduce interest and monthly payments.

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What Kinds Of Debt Consolidation Loans Are Available? -Refinance or Home Equity Line of Credit (HELOC) -Balance Transfers -Personal Loan

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How Can A Refinance Or HELOC Help You? If you are a homeowner and your mortgage is in good standing, you can use the equity you have in your home to cover a debt consolidation loan.

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What Is A Refinance? Completing a refinance on your mortgage means you are taking out a new loan through a mortgage company and applying it to the old one to pay it off.

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What Is A HELOC? If you don’t want to go through a refinance process, this is a good option because you will still pay less interest than you pay on your other lines of credit combined.

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A balance transfer is an opportunity provided by credit card companies. A balance transfer is an excellent option for a debt consolidation loan if you have high-interest revolving debt.

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How Can A Personal Loan Help You? These loans are helpful because there are options from online lenders that are willing to work with you even if you have a lot of debt to consolidate.

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