Credit Card Debt Consolidation
home owner or personal loans. Our certified counselors will structure a debt solution that works for you. Take the next step and let us help you become debt free!

Our primary objective is to provide visitors with a tailored debt consolidation solution that is suited toward their specific financial profile, establish and maintain a budget, consolidate debts into one affordable payment, and provide online financial education to our visitors that enhances financial soundness and understanding. These debt consolidation solutions are designed to consolidate debt to get you out from under your debts fast! Use the form on the left to set up your free session with a counselor to learn the secret to getting out of debt and how one of these solutions can help you.
What is a debt consolidation loan?
In its simplest terms, a debt consolidation loan will pay off your existing debts and transfer the monies owed into one loan with one manageable, monthly repayment. You will still have to pay back all the monies owed, but with a debt consolidation loan you may be able to reduce your monthly outgoings, pay a lower rate of interest, or be able to spread the costs out over a longer time period.

More types of debt consolidation loans
Today, the majority of personal loans can be used to consolidate your debts. As with any other borrowing the lender will look at:

The amount you want to borrow
your credit history
how long you need to repay the debt
Advantages of debt consolidation and refinance loans
The advantages of a Debt Consolidation loan are:

Your Debt Consolidation loan may have a lower interest rate than the rate you are paying on credit cards, so the loan should reduce your interest payments and help you eliminate your credit card debt, eventually.

With the lower interest rates and/or extended terms a debt consolidation and refinance loan may offer, you may be able to reduce your total monthly payments.

You replace many payments each month with only one payment, which should make your monthly household budgeting easier.

Your Debt Consolidation loan may have a lower interest rate than the rate you are paying on credit cards, so the loan should reduce your interest payments and help you eliminate your credit card debt, eventually.

With the lower interest rates and/or extended terms a debt consolidation and refinance loan may offer, you may be able to reduce your total monthly payments.
Consolidation loans have longer terms than other loans. Debtors can choose terms of 10-30 years. Although the monthly repayments are lower, the total amount paid over the term of the loan is higher than would be paid with other loans. The fixed interest rate is calculated as the weighted average of the interest rates of the loans being consolidated, assigning relative weights according to the amounts borrowed, rounded up to the nearest 0.125%, and capped at 8.25%. Some features of the original consolidated loans, such as post graduation grace periods and special forgiveness circumstances, are not carried over into the consolidation loan, and consolidation loans are not universally suitable for all debtors.