Debt Consolidation: How To Simplify Payments and Save Money

Compare a debt management plan vs. debt consolidation options, including costs, impacts to credit, common repayment terms and who each option fits best.

Explore the main types of debt consolidation, from personal loans to balance transfer cards. Compare the costs, risks and eligibility to find your match.

How long does debt consolidation stay on your credit report? Up to 10 years for paid accounts in good standing. See how it affects your score over time.

Can you consolidate credit card debt with student loans? See how personal loans and balance transfers work, and why federal protections are at stake first.