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I am in a stinky situation where I accumulated lots of debt by paying my tuition fees on my credit cards and now they are just killing me with interests.
Being on a visa, I was not eligible for a federal loan, therefore I went with the next worst thing I knew.
However, if you apply for several loans in a short period of time, the scoring companies will view it as a sign of financial stress.
This tactic would cause your score to drop even further.
Regardless of which consolidation option you choose, shop around before you apply and limit the number of inquiries to minimize any negative impact on your credit score.
If you own a home, you may be eligible for a home equity loan or line-of-credit.
I firmly believe both are great options to consider.This would increase my available credit of ~20-25k, which I read is really good for the credit score.now, using credit karma's simulator, if I paid off ~20k I would increase my credit score of about 100 points...however, how does the fact that I got a loan for that much affect the credit score in first instance?If you are juggling multiple credit card bills, you may benefit from the convenience of having one consolidated monthly payment.Consider all of the bills that the modern household pays (mortgage/rent, utilities, cell phone, cable, internet, etc.).
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however, I also thought about a personal loan to consolidate my debt.