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This type of credit card charges no interest for a promotional period, often 12 to 18 months, and allows you to transfer all your other credit card balances over to it.You’ll need a good to excellent credit score — above 690 — to qualify for most cards.A consolidation loan can sometimes lower your monthly payment, and that can give you enough breathing room to get back on track.3) Confusion because of too many bills Another common obstacle to getting out of debt is when the sheer number of bills you receive makes it hard to even keep track of which payment is due on which date. While there are some real benefits to debt consolidation, it’s extremely important that you do your homework and understand there’s a wide range of options when it comes to debt consolidation loans – some are good, some are bad, and some are downright predatory.This calculator is based on making the minimum repayment amount at a 18% interest rate.Minimum repayments are calculated as a percentage of the closing balance, typically 2 or 2.5%, or a set dollar amount, usually around , whichever is greater.Consolidation can help with this problem by reducing the number of bills you get down to a single one. Check your rate using Ready For Zero's free debt consolidation tool.
Simply put, it brings a number of debts into one easy payment.I understand that I may receive a call even if my telephone number is listed on a Do Not Call list and that my consent is not a requirement of enrollment.I also agree to communication by phone, email or sms regardless of prior preferences from or its clients in order to provide me with debt consolidation, debt settlement or other products or services at the telephone number I provided. Are you struggling with debt or suffering a financial hardship?Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.Options to consolidate your credit card and other debts include a balance transfer credit card, an unsecured personal loan, a home equity loan or line of credit and a 401(k) loan.