Loan/Credit card consolidation help Hi, so I’m 25 and I’ve racked up about $15,000 in credit card debt broken up into 3 accounts. This debt just got high because I moved out and didn’t focus on paying it off when it was in the promotional 0% APR timeline but I do have the money to pay it off. I can pay $1,000-1,500 towards the balance of those cards each month but struggle to keep…

Paramount consolidation of U.S. TV and streaming distribution teams results in staff cuts submitted by /u/HRJafael

26 year old student, should I look into a debt consolidation loan? I’m 26 with 740 credit score and make around $30k a year. I work full time and I’m in college part time. I have about 10k in credit card debt at a 20% interest rate with discover. I own a 2019 Toyota Corolla and owe about $5,000 on this vehicle at a 3% rate. I also have $4,000 in student loans from before I qualified for the Pell grant, now my s…

Taking put a consolidation loan to pay off $10k CC Debt Im 27. I’m paying over $500 in CC debt right now. My husband passed away a little over a year ago and i was using those CCs for awhile to help with normal expenses plus the funeral. All the cards are maxed out. I cut them up and threw them away so I can’t use them anymore. All of the interest rates are RIDICULOUS. Like comically high. I honestly…

Help with my options for debt consolidation! I’m trying to get a loan for debt consolidation (to settle 19k in cc debt), but I was denied for all of them. To give a little context to my story: in March, I bought a house using the FHA program. A month later, all my credit card accounts (five) with Synchrony Bank were closed. I had around $25,000 in credit limits and about $2,000 used across…

CC Debt Consolidation Any advice on best way to consolidate CC debt into a lower interest rate loan? Is there a better lender than others or just go with the lowest rate? Never done this before, but the CC interest rate is just insane right now and I need to find a better option. submitted by /u/TeachLanky

Debt Consolidation (Possibly HEL/HELOC) I am looking for advice on consolidating debt and lowering average interest rate. I am married and our annual household income is about $110,000. Our mortgage company estimates our house at just over $400,000 and we currently owe around $235,500. The existing debt consolidation loan was used to pay off various medical debt. Credit Card 1 has bee…

Feedback On Debt Consolidation/Car Loan Timing Hey All- this might be a long one, but I’ll try and keep it concise! After my spouse was in a bad car accident with resulting TBI last year, a lot of household stuff fell on my shoulders. Death by a thousand cuts, timing of unfortunate events, doggo got sick, etc., but long story short, I didn’t handle it super well and ended up in about $30k of…

Is debt consolidation a good idea for my situation? I have roughly $7k in debt in the U.S. (credit cards and student loans). I know, not a lot. But I only make $12000 a year. I live abroad which is why this yearly income is okay.. but I can’t pay my monthly minimums (well, I can but it’s a struggle.) Well recently I missed all my cc payments because I signed a new contract with my apartment and t…

Brother in law, named as debtor in debt consolidation loan, passed away Acting as Financial PoA for my sister who just lost her husband. They have a $4.5 loan at 23.9% interest. The dead husband was named as the debtor. I have told them he is dead, and I expect the debt to be canceled, payments ceased and payments since his death returned. I also asked them for the loan agreement. Achieve.Com acknowledge the death …

Looking into getting a debt Consolidation loan Like the title says, this will be my first time attempting to consolidate my debt, but my situation is a little complex and I’m interested in hearing outside opinions. CC1: ~7k at 14.9% CC2: ~9k at 28.3% Car: ~10.5k at 0% Those credit cards are basically maxed so my credit isn’t great right now. The best offer I’m looking at is an Auto Equity Lo…

Is it worth consolidation? I’m working 35 hours a week at 21 dollars an hour. My take home pay after taxes, 401k, health and dental is about $1000 every two weeks. I spend $550 on rent, $130 on rental and car insurance. $60 for electric and about $180 on gas and cigarettes (I’m cutting down and have a quit date set.) I have a car payment at $177 per month. The car loan i…

Is this a smart option CC consolidation? I recently reached out to my credit union for a personal loan for $15,000 to consolidate credit card debt. I had not used credit cards to that level in years but I had to during the pandemic because I was laid off. Won’t go into all that but I stopped using them…but the interest rates were high and it’s been slow for me to get back on track with…

Advice on Debt Consolidation – Should I take out a loan? When I first got my credit cards, I was routinely using them for bills and then paying the full amount monthly and was able to keep up really well. At the time, I was living with my previous partner and not paying rent, just bills and half of the groceries. I’m now living on my own with $1,400 rent every month, bills, groceries, etc. My fiance (…

Should I get a debt consolidation loan? I have a lot of credit card debt and student loan debt as well. I over over $4,000 and $5,000 with a high interest rate on two credit cards, and $1,900 on one card. I owe over $6,000 in student loans. I don’t know what the interest rates are but my two cards interest rates are high because my credit was poor when opening them, it was poor becaus…

Debt consolidation or bankruptcy? Need some advice and it boils down to the question in my title. Should I file bankruptcy or should I take out a debt consolidation loan? Three months ago, my husband and I had little debt. Little debt equals little stress. The warranty on our car was expiring and he was a rideshare driver. We quickly learned that rideshare was hurting us more th…

Debt consolidation with Beyond Finance, experiences? Total scam? I’m neck deep in credit card and loan debt. I’m looking for some personal experiences with debt consolidation companies like Beyond Finance that claim to lower your debt with your creditors. Representative on the phone said I would need to stop payment on all creditors for their system to work. That sounds like a horrible idea… Anyone have exp…

$30k Credit Card Debt Consolidation Hello, I am looking at the best way to eliminate/consolidate credit card debt. I have about $30k in credit card debt totaling about $1,300 month with minimum payments. I have about $20k in a 401K that I can borrow against and also have about $125k in home equity that I was thinking about a HELOC. Is a HELOC worth it to consolidate/eliminate this…

Tokenization News Roundup: Consolidation Coming A weekly digest of articles, reports and analyses about tokenized RWAs, the fast-growing financial instruments that merge traditional finance to the blockchain.

Can anyone share personal experience with debt consolidation and possible pro/cons? I’ve been considering debt consolidation for a while because I have been overwhelmed with debt for years. I have student loans, some medical bills that got turned over to collections, a small amount of credit card debt, and more recently, some car-related expenses after being in an accident. I am currently employed full-time on an hourly wage so…