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The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.
» MORE: See if you pre-qualify for a personal loan Pros: Back to top If you’re a homeowner, you can take out a loan or line of credit on the equity in your home.
A home equity loan is a lump sum loan with a fixed interest rate, while a line of credit works like a credit card with a variable interest rate.
Some also send money directly to your creditors, increasing the odds of successful debt consolidation.Many of us have been where you are today, and understand the emotional burden that debt can place on a person.Please contact us so that together, we can find a better way out of debt. We're so confident that we can help you achieve your goal of becoming debt-free in a reasonable time, that we back it up with a 6-month 100% money back guarantee on the services, support, and benefits you receive.» MORE: The good and bad of home equity loans Pros: Back to top If you have an employer-sponsored retirement account, it’s not advisable to take a loan from it, since doing so can significantly impact your retirement.However, if you’ve ruled out balance transfer cards and other types of loans, this may be an option for you.