But if you have less-than-perfect credit, you might find it more difficult to find a loan that works for you. Or that you have to settle for an unaffordable loan.
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Not only does that simplify your debt payments, it can also help you save money.
The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.
Many so-called "consolidation" programs can prove not to consolidate debt at all.
Thus, debt consolidation has rightfully begun to earn a bad reputation.
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These options include financing with recent changes in financial aid laws.
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If you’re a student with bad credit or no credit, the best place to start looking for student loans is the federal government.