Debt consolidation and paying off debt

When a personal loan can consolidate credit cards, collections or tax debt, and how it compares with balance transfers and debt management plans.

Personal Loan to Pay IRS Tax Debt: When It Makes Sense
When IRS penalties and interest stack up to roughly 10% annually, a personal loan can cost less — here is the break-even math by credit tier.
July 14, 20265 min read
Personal Loan to Pay Off Collections: A Step-by-Step Guide
Using a personal loan to pay off collection accounts converts open collections to paid status — and under FICO 9 and VantageScore models, paid collections carry no scoring penalty.
July 7, 20265 min read
Personal Loan vs. Payday Loan: A True-Cost Comparison
Payday loans often carry APRs above 400%—here is how a personal loan compares in real dollars so you can make a smarter borrowing choice.
July 3, 20265 min read
Personal Loan vs. Credit Card Cash Advance: Cost Compared
A card cash advance adds an upfront fee, usually a higher APR, and interest from day one. Here is how its effective rate compares with a personal loan.
June 22, 20268 min read
Personal Loan vs. Debt Management Plan: How to Choose
Two proven paths out of credit card debt — the right one turns on your credit score and how quickly you need to act.
June 15, 20266 min read
Personal Loan vs. Credit Card: Which Consolidates Debt Cheaper?
A balance transfer card's 0% intro rate sounds hard to beat — until you account for transfer fees, revert rates, and the discipline required to pay it off in time.
May 6, 20265 min read