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Consolidate my debtLearn how consolidating multiple credit accounts into one new loan may help you lower your overall monthly expenses.
Pay off my debt fasterYou can also manage your debt by paying it down faster. You may save on interest over time and on the total cost of borrowing, and begin paving the way for the future.
Lower my monthly paymentsAccess more cash each month by lowering the rate of your loan, consolidating multiple loans, or extending the length of your loan.
Tips for managing my debtEstablish strategies to manage your current debt more effectively, so you can stay on top of your finances and reach your goals faster.
Manage my payment difficultiesLearn what you can do if you are having trouble making your monthly payments.
Contact the National Foundation for Credit Counseling (NFCC) in person, online, or by phone for in-depth, personalized financial counseling and education.
Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you.
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