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Debt Consolidation for Credit Card Debt

Debt consolidation means that you can combine all of your current debts into one loan, at a better rate of interest, and hopefully over a shorter time. Debt consolidation can also have the added benefit of lowering your monthly bills.

When looking to consolidate your debts, it is important to ensure that you are not paying more for your consolidated loan. In order for it to be worthwhile, you must ensure that the interest rate that you pay for the consolidation loan is less than the interest rate of each of your seperate debts. If not, then you are better off not consolidating that particular debt.

Of course there are many different types of consolidation loans. You may find loans which promise lower monthly payments by paying the loan off over a longer period. However, even if it is at a lower rate of interest, you should avoid the temptation of paying the debt off over a longer period. Yes, you'll pay less each month, but that extra year or two could mean a lot more interest to pay over the lifetime of the loan!

Rates of the loan also vary a lot. As with mortgages, you will find both fixed and variable rate debt consolidation loans. In addition, you will find varialble rate loans that allow you to make extra repayments when you wish at no extra cost. This can be a huge advantage if there are times when you may have some extra money available. A fixed rate on the other hand will only allow fixed repayments.

Getting a good interest rate can be greatly helped if you are able to go for a secured, rather than unsecured loan, and is almost certainly the best option for home owners.

Before applying for a consolidation loan, make sure that you pay your current creditors on time. Missing payments will give you a bad credit rating, and it will be likely that you will miss out on all of the best deals, as these creditors will turn you down for a loan.

When you have a consolidation loan, you will pay directly to the consolidation company rather than your individual creditors and they will divide how much goes to each. It is important to stay in contact with your consolidation company, and also to monitor statements went by your creditors. At the end of the day it is up to you to ensure that the correct amounts are being paid, and you should know exactly what is going on with your finances before any potential problems occur. This way you can correct any issues before they become problems.

This information is provided with the understanding that the author is not engaged in rendering legal, financial, accounting or other professional advice. If legal, financial or other expert assistance is required, the services of a professional should be sought.

Find out more about Debt Consolidation.

About the Author: Andrew is the webmaster of, a site providing independant information on financial matters.

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