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You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Paying off debt is the first step toward a healthy financial life.

A debt consolidation loan may help you take that step.

We’ve identified lenders that make debt consolidation easier below.

If your credit is good, you can apply for a 0% interest credit card, which could save you quite a bit of money if you pay off your debt within the promotional period.

“If you’re disciplined enough to pay off that low-rate card before the teaser rate expires, that’s one thing.

If you’re not sure you can, though, the personal loan may be the better bet.” In addition, a personal loan may improve your credit score by moving credit-card debt over to the installment loan column.

The interest rate you receive depends on your individual credit profile, and it usually does not change for the life of the loan.

If you’re having a hard time keeping up with multiple payments, it’s a strategy worth considering.


But a personal loan offers some advantages of its own.“The big advantage to a personal loan is that it forces you to pay off your debt over time,” says Nerd Wallet personal finance columnist Liz Weston.


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