DMP vs Consolidation Loan: Which Actually Saves You More Money?
Debt management plans restructure your existing accounts while consolidation loans create new debt. Here's the real cost breakdown and credit impact of each.
8 min read
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#interest-rates
8 articles
Balance Transfer Fee Math: When the 3% Is Worth It (And When It's Not)
Break down the real math on balance transfer fees. On $10k at 22% APR, that 3% fee pays for itself in under 2 months of avoided interest.
11 min read
Debt Consolidation Loan vs Debt Management Plan: Which Cuts Your Payments Faster?
Consolidation loans give you new debt at lower rates. DMPs negotiate your existing accounts. Here's which option saves more money based on your situation.
8 min read
Personal Loan for Credit Card Debt: The Math That Could Save You $4,800
Using a personal loan to pay off credit cards can cut interest by thousands. Here's the math on $25k debt and which lenders offer the best rates in 2026.
7 min read
Avalanche Student Loans: When Your Biggest Debt Has the Lowest Rate
Student loans complicate avalanche method math. Here's when to pay them first, when to pay them last, and how to run the numbers yourself.
7 min read
Why Avalanche Is a Must for 28%+ APR Cards
When credit cards hit 28%+ APR, avalanche method saves massive money. See the real math on $12k at 28% vs lower rates and why order matters.
8 min read
How Long Will It Take to Pay Off My Credit Card Debt? Real Timelines
Calculate your exact debt payoff timeline with real examples. See why minimum payments take 25+ years and how $100 extra cuts years off your debt.
10 min read
The Debt Avalanche Method: Math-Optimal Payoff That Saves Thousands
The debt avalanche method saves you the most money by targeting highest interest rates first. Here's the exact math and when it beats snowball.
10 min read