The Debt Consolidation Trap: Why 40% Re-Run the Cards Within 2 Years
NY Fed data reveals 40% of debt consolidation users reload their cards. Learn the psychology behind this trap and proven prevention tactics.
10 min read
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#personal-loans
8 articles
Upgrade Personal Loan Review: Your Best Shot at Fair Credit Consolidation
Upgrade accepts credit scores as low as 560 for debt consolidation. We break down rates, fees, and whether it's worth the cost for your situation.
9 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
Debt Consolidation Loans for Bad Credit Under 600 (2026 Options)
Real debt consolidation options for credit scores under 600. APRs, fees, and when the math actually works in your favor.
7 min read
LightStream Personal Loan for Debt Consolidation: 2026 Review
LightStream offers debt consolidation loans from 7.99% APR with no fees. We break down rates, requirements, and whether it beats balance transfers for your situation.
9 min read
SoFi Personal Loan Review: Is It Right for Your Debt Payoff Plan?
SoFi personal loans offer 8.99%-29.99% APR with no fees, but require 680+ credit score. Here's who should consider it for debt consolidation.
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
Debt Consolidation: When It Works and When It's a Trap
Real debt consolidation strategies that work — plus the $28k trap that catches 40% of people who consolidate. Decision tree included.
15 min read