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  2. How to consolidate debt without hurting your credit

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

    The idea here is to pay a lower interest rate on a consolidation loan or balance transfer credit card than you currently have. This is doable with a “good” credit score, which is at least 670 ...

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

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

    Cash-out refinance. A cash-out refinance replaces your existing mortgage with a brand-new one that’s larger than your current outstanding balance. You will need equity in your home for this ...

  4. Best debt relief options for credit card debt - AOL

    www.aol.com/finance/best-debt-relief-options...

    Bankruptcy. Bankruptcy is a legal process that provides relief from overwhelming debt by liquidating assets or creating a repayment plan. Chapter 7 bankruptcy is ideal for unsecured loans (such as ...

  5. Choosing a debt consolidation lender: How to find the best

    www.aol.com/finance/choosing-debt-consolidation...

    A debt consolidation loan can provide a lower interest rate than most credit cards. According to Bankrate data , the average personal loan currently has an interest rate of around 12 percent.

  6. Debt consolidation - Wikipedia

    en.wikipedia.org/wiki/Debt_consolidation

    Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. [1] This commonly refers to a personal finance process of individuals addressing high consumer debt, but occasionally it can also refer to a country's fiscal approach to consolidate corporate debt or government debt. [2]

  7. These are the best debt relief options — which is right for you?

    www.aol.com/finance/different-debt-relief...

    A DMP is a three-to-five-year plan designed to help you exit debt sooner. You will make a monthly payment to the agency, which will pay your creditors. The agency may be able to negotiate lower ...

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