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It’s a fairly common process for people with excessive credit card debt to obtain personal loans in order to pay them off. Using the equity in your home to apply for a equity home loan and directing the funds towards debt management is an excellent method for getting your house in order in regards to your finances.

A personal loan without collateral may sound inviting but you can be rest assured any financial institution or broker is going to want a higher return for the added risk. Many people seek a home equity loan to pay their credit card debt and while that is a viable option and will save you money over the long term, there are risks involved. The risk of taking out a home equity loan is not to be investigated as in most cases if you are unable to meet the requirements of the loan the creditor will foreclose on the family home!!!

Consolidating debt for some means digging into their 401K for immediate relief to the detriment of their future well being. This method of debt management to secure a personal loan is not for everyone but it does provide you with immediate access to funds. You’re taking money out of an account that you set up in order to save for your retirement. Many people like this option because when you pay back the loan, you are essentially paying yourself back.

It is always wise to stack the advantages against the disadvantages in anything dealing with your finances and when formulating a wise debt management strategy. Any unforeseen event which can disrupt your repayment schedule could mean penalties due in the form of tax installments or the fulfillment of the principal on the the borrowed loan.

Tax advantages of saving with a 401K account are diminished when you borrow money from your retirement, because you end up paying back with after-tax dollars.

To pay your credit card debt using personal loans, you might consider contacting your local bank to see if you could obtain a loan with a reasonable interest rate. The higher the interest rates the higher the repayments the less disposable income that is left for savings or other pleasures of life so ensure you manage your credit card debts first as they carry the highest interest rates of any form of credit.

The rate you are able to negotiate your interest will be fixed for the duration of your personal loan and you will be required to make monthly installments to service the loan which will be at a rate much lower than any credit card debt you are carrying. Credit cards typically have varying interest rates or extremely high interest rates and fees if you happen to make a payment beyond the due date.

If you happen to have money in a savings account, you might consider giving yourself personal loans to pay your credit card debt!!! When you compare the interest rate you earn on a savings account and the cost of credit card debt it makes little sense not redirecting funds from you savings account towards servicing debts elsewhere??? Be smart and service your credit card debt before setting up any high yield savings account you will be thankful you did in the long run.

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