Get out debt without consolidating

While unsecured debt consolidation loans can be easier to obtain and more convenient than secured debt consolidation loans, they generally have higher interest rates, so they are more expensive to pay down than a secured debt consolidation loan.Getting a debt consolidation loan is a major financial decision and one that shouldn’t be taken lightly.Track your spending to see where your money goes each month, identifying areas where you may be able to cut back.Compare your debt payment obligations and your spending to create a budget and determine how much you can realistically pay on your debt each month.Home equity debt consolidation loans, a type of secured debt consolidation loan, offer a fixed interest rate.

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You will go through several steps to apply for and receive a debt consolidation loan.

The primary difference between the two is that secured debt consolidation loans use collateral, while unsecured loans do not.

Unsecured loans are more common, but you can use a secured loan for unsecured debt, such as a home equity loan used for credit card debt consolidation. Secured debt consolidation loans are typically available at brick-and-mortar financial institutions, including banks and credit unions.

“Make sure you have plenty of cushion in there so if something happens and you had to sell your home, or you had to move ...

you don’t end up losing your home.” Repayment terms can be 10 years or longer, and if the value of your home drops during that period, you may owe more than your home is worth.

With very good or excellent credit (a FICO credit score of 740 or higher), you will be in a better position to qualify for the lowest interest rate offered by a lender. Your loan terms determine how much you will borrow and how long you will take to pay it back.

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