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Once all of your other accounts are paid in full, there is only one payment to make every month – the one to the new lender.

Since the interest rate on a personal loan is often considerably lower than on a credit card, and the repayment term potentially much longer, the consolidated payment may be much lower, as you indicated.

In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both.

Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.

You want to pay off the debt, but it feels like a never-ending process. The first thing to realize is that there is a potential minimum payment trap.

You know (or hope) that at some point you’ll be able to pay it off. As you pay down your credit card debt, you may notice that as the balance gets smaller, so does the minimum payment listed on your statement.

The debt counseling solutions we provide offer our members long term financial success, as well as short term debt management programs and debt consolidation.

Learn More Our debt management program helps simplify your monthly unsecured debt obligations.

If you continue to make only the minimum payment, calculated at interest 1% of the balance, at the decreasing monthly amount, the payoff time increases exponentially. If you just make those decreasing minimum payments for example, a ,000 debt at 15% interest will take just under 28 years to pay off and cost almost ,000 in interest. However, you may be able to cut that time dramatically.Be sure to check the fee and take this into account when calculating potential savings."I was so pleased to find it easy to talk to my counselor about my debt problem.Creditors are willing to do this for several reasons – one of them being that it maximizes the likelihood of collecting from a debtor.If you have credit card debt, you probably are so over it. The payment plan you choose plays the biggest role in determining how long it takes you to get out of debt.I felt like I was drowning in debt and after speaking to your representatives, I was relieved and felt like a weight was lifted.

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