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Personal debt consolidation loan

Considering a personal debt consolidation loan?

If you are struggling with too many bills and loans, a personal debt consolidation loan may seem like a good strategy for paying off debt more quickly.

With a personal debt consolidation loan, you’ll take out one new loan in order to pay off a variety of other loans, bills and credit card balances. If the interest rate on your personal debt consolidation loan is lower than the combined rates on your other debts, you should in theory be able to save some money. And payments on one loan should be easier than making multiple payments each month.

But a personal debt consolidation loan isn’t the right option for every consumer. If you make unwise choices, you may actually end up owing more money and taking longer to pay it off. That’s why, before taking out a new loan, it’s important to find debt consolidation assistance from a qualified credit professional who can help you determine the best way out of debt.

Get advice about a personal debt consolidation loan from ACCC.

American Consumer Credit Counseling (ACCC) is a nonprofit agency for individuals and families who need credit debt help. We free credit counseling sessions where you can speak with a certified and highly trained credit counselor to learn about all the options available to you for getting out of debt, including a personal debt consolidation loan.

At ACCC, we have helped thousands of individuals and families to find their way out of debt and learn to live debt-free in the future. Our counselors can help you get a clear understanding of your financial situation and goals and help you choose the best debt relief solution based on your needs. We can help you understand whether a personal debt consolidation loan makes sense, and show you how to consolidate credit cards most effectively.

Alternatives to a personal debt consolidation loan

For many consumers struggling with debt, a debt management plan may be a more effective strategy than a personal debt consolidation loan. Under a debt management plan with ACCC, instead of consolidating old loans in a new loan, you’ll consolidate your monthly payments and write just one check each month to us. We then will pay each of your creditors for you, making sure that payments are made on time.

Not only will a debt management program simplify your finances and reduce your stress over money, we will work with your creditors to seek possible lower interest rates, and eliminate finance charges and other fees that can help to reduce the total amount you owe. Most of our clients on a debt management plan are able to become debt free within five years or less.

Learn more about the pros and cons of a personal debt consolidation loan and how to consolidate credit card debt, and get answers to questions like “What is my debt to income ratio?”

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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