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  2. Debt consolidation without a loan: Here’s how to do it

    www.aol.com/finance/alternatives-debt...

    A debt consolidation loan can simplify debt repayment and even help you save money in the long run. But for it to be effective, you must identify and address the financial habits that led to the ...

  3. How to get debt-free - AOL

    www.aol.com/finance/debt-free-202046867.html

    A balance transfer involves moving debt from a high-interest credit card to one with a lower APR. Many credit card companies even offer a 0 percent APR promotion where balances transferred accrue ...

  4. How to consolidate debt without hurting your credit

    www.aol.com/finance/consolidate-debt-without...

    Your credit score: One goal of debt consolidation is to reduce the interest rate on your debt. The idea here is to pay a lower interest rate on a consolidation loan or balance transfer credit card ...

  5. Debt Counselors: Which of These 3 Ways To Consolidate Debts ...

    www.aol.com/debt-counselors-3-ways-consolidate...

    A second approach is to work with a nonprofit consumer credit counseling agency, like those that belong to the FCAA, through a debt management plan. A consolidation counseling repayment plan, also ...

  6. What is a debt consolidation loan — and can it help you lower ...

    www.aol.com/finance/what-is-a-debt-consolidation...

    A debt consolidation loan is best for when you have unsecured debt that you can’t pay off within a year — such as credit cards and high-interest personal loans. Loan amounts can range from ...

  7. Debt Consolidation Pros and Cons. Pros: Simplified monthly payments. Potentially lower interest rates (average reduction of 5-10%) Maintained or improved credit score if payments are made on time

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