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One benefit is that this loan won’t show up on your credit report.But the drawbacks are significant: If you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.Origination fees are calculated on the final loan size and vary based on the interest rate and term selected.

Consolidating your credit cards, auto loan(s), and other bills into one fixed rate personal loan relieves the confusion of bill clutter - envelopes piling up on your table, bill collectors calling, and remembering multiple 'Due By' dates.» MORE: Compare personal loan rates on Nerd Wallet Pros: Back to top If you’re a homeowner, you can take out a loan or line of credit on the equity in your home.A home equity loan is a lump sum loan with a fixed interest rate, while a line of credit works like a credit card with a variable interest rate.Debt consolidation can take many forms, including a personal loan, a balance-transfer credit card, a home equity line of credit (HELOC) and a debt management plan, among others.No matter what strategy suits you best, the idea is the same: Lump together all or most of your debts into a single payment as a way to save money, simplify your finances … For example, if you have multiple high-interest credit card debts and outstanding medical bills, you may want to take out a personal loan to repay those debts.Most issuers charge a balance transfer fee of around 3%, and some also charge an annual fee.

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