Consolidate Credit Cards Link

If you consolidate your debt but keep spending more than you earn, you’ll end up with a consolidation loan and new credit card debt. The Bottom Line

Origination fees and the temptation to run up the credit cards again once they’re at zero. 3. Home Equity Loans or HELOCs consolidate credit cards

Many banks offer "teaser" rates for new customers. You move your high-interest balances to a new card that charges for a set period (usually 12–21 months). If you consolidate your debt but keep spending

People who want a predictable "end date" for their debt (e.g., a 3-year plan). Home Equity Loans or HELOCs Many banks offer

I can help you compare a balance transfer versus a personal loan based on your current balances.

Consolidating can save you thousands in interest and shave years off your debt timeline. Just remember: the goal isn’t just to move the debt—it’s to kill it.