{"id":21942,"date":"2025-10-22T23:49:28","date_gmt":"2025-10-22T23:49:28","guid":{"rendered":"https:\/\/incredipros.com\/?p=21942"},"modified":"2025-10-22T23:49:29","modified_gmt":"2025-10-22T23:49:29","slug":"is-debt-consolidation-a-good-idea-consider-the-pros-cons","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=21942","title":{"rendered":"Is Debt Consolidation A Good Idea? Consider The Pros &#038; Cons"},"content":{"rendered":"<div>\n<div id=\"block_6421e1c134d2316b10ab4a6ebce7d7c4\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Debt consolidation can simplify your finances and potentially lower your interest rate.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            There may be upfront costs that can offset potential savings.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            People with good credit may qualify for better loan terms, making consolidation a good option.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Debt consolidation involves combining several debts \u2014 such as credit cards, personal loans or medical bills \u2014 into a single loan with one monthly payment. This can simplify your finances and potentially lower your interest rate, depending on the loan terms and your credit profile.<\/p>\n<h2 id=\"pros-cons\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Pros and cons of debt consolidation\" data-outcome=\"\">Pros and cons of debt consolidation<\/h2>\n<p>You can consolidate nearly every type of consumer debt. However, debt consolidation loans aren\u2019t a complete fix. You must still pay them off.<\/p>\n<p>That said, consider these pros and cons to see if consolidation is right for your finances.<\/p>\n<div id=\"block_83c18b29c831bf4bacfa2fc97e4bde7e\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsList\" data-js-selector=\"ProsAndConsList\">\n<div class=\"ProsAndConsItem\">\n        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"ProsAndConsItem-list\">\n<li>\n                    <strong>Lower interest rates: <\/strong>Consolidation loans may offer lower interest rates than credit cards.\n                <\/li>\n<li>\n                    <strong>Faster debt repayment:<\/strong> With a fixed repayment plan, you may be able to pay down debt faster.\n                <\/li>\n<li>\n                    <strong>Simplified finances<\/strong>: One monthly payment instead of several.\n                <\/li>\n<li>\n                    <strong>Fixed repayment schedule<\/strong>: Consistent monthly payments make it easier to budget.\n                <\/li>\n<li>\n                    <strong>Credit boost:<\/strong> Timely payments on a consolidation loan and not using revolving credit can improve your credit score.\n                <\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"ProsAndConsItem-list\">\n<li>\n                    <strong>Upfront costs<\/strong>: Fees like loan origination, balance transfer and closing costs can add up.\n                <\/li>\n<li>\n                    <strong>Potentially higher interest rates:<\/strong> Borrowers with lower credit scores may not qualify for a better rate.\n                <\/li>\n<li>\n                    <strong>Risk of missing payments:<\/strong> Missed payments can lead to late fees and credit score damage.\n                <\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 id=\"benefits\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Benefits of debt consolidation\" data-outcome=\"\">Benefits of debt consolidation<\/h2>\n<p>Debt consolidation is often the best way to organize your current debt and simplify repayment. Consolidation, if used correctly, offers benefits that could save you money.<\/p>\n<h3>Faster debt repayment<\/h3>\n<p>Taking out a debt consolidation loan can help put you on a faster track to total payoff and may help you save money on interest by paying down the balance faster. This is especially true if you have significant credit card debt you carry from month to month.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Lightbulb Icon<\/title>\n<path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        Consolidating offers a streamlined approach to credit repayment. Credit cards don\u2019t come with a set repayment term and loans do.\n    <\/p>\n<\/div>\n<h3>Lower interest rates<\/h3>\n<p>As of October 2025, the average credit card rate is 20.01 percent. Meanwhile, the average personal loan rate is 12.25 percent.<\/p>\n<p>Of course, rates vary depending on your credit score, and the loan amount and term length. But if you have average credit or better, you\u2019ll likely get a lower interest rate with a debt consolidation loan than what you\u2019re currently paying on your credit card.<\/p>\n<p>Those with excellent credit often get the lender\u2019s lowest rates. These can be under 7 percent, depending on the lender.<\/p>\n<h3>Simplified finances<\/h3>\n<p>Instead of juggling multiple monthly payments, you\u2019ll only need to remember one payment date each month. This can reduce stress and prevent missed payments.<\/p>\n<h3>Fixed repayment schedule<\/h3>\n<p>With a fixed repayment schedule, your payment and interest rate remain the same for the length of the loan, and there\u2019s no unexpected fluctuation in your monthly debt payment. Since most personal loan rates are fixed, you\u2019ll know exactly how much is due each month and when your last payment will be.<\/p>\n<p>On the other hand, if you pay only the minimum with a high-interest credit card, it could be years before you pay it in full.<\/p>\n<h3>Credit boost<\/h3>\n<p>Paying off multiple debts with a single consolidation loan can positively impact your credit score, especially if you make timely payments. If you use the loan to pay off revolving debt and keep it paid off, your credit utilization ratio will also improve, which can boost your credit scores.<\/p>\n<h2 id=\"drawbacks\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Drawbacks of debt consolidation\" data-outcome=\"\">Drawbacks of debt consolidation<\/h2>\n<p>While debt consolidation can be helpful, it\u2019s not without its risks. You\u2019ll need to keep on top of your finances and prevent yourself from winding up in the same spot again later.<\/p>\n<h3>It won\u2019t solve financial problems on its own<\/h3>\n<p>Consolidating debt doesn\u2019t guarantee you won\u2019t go into debt again and won\u2019t eliminate your current debt or underlying financial habits.<\/p>\n<p>\u201cMany people come to me after they\u2019ve done debt consolidation and run into more debt because they didn\u2019t solve the root cause,\u201d says Bernadette Joy, Bankrate expert contributor and founder of Crush Your Money Goals. As part of her CRUSH debt repayment method, Joy recommends healing money wounds by asking yourself what will change once your debt is clear.<\/p>\n<div class=\"BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0\">\n<blockquote class=\"BlockQuote-text text-center md:text-left\"><p>\n        <q>Debt consolidation can help by simplifying payments and possibly lowering your interest rate, which can speed up payoff. But it\u2019s not a magic fix.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Bernadette Joy, Founder of Crush Your Money Goals<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<p>If you have a history of living beyond your means, you might do so again once you feel free of debt. To help avoid this, track your spending and make yourself a <u>realistic budget<\/u> that you are confident you can stick to. Evaluate where you\u2019re spending every month and adjust accordingly to keep yourself on track.<\/p>\n<p>You should also start building an emergency fund that can be used to pay for financial surprises. With an emergency fund, you don\u2019t have to rely on credit cards.<\/p>\n<h3>There may be upfront costs<\/h3>\n<p>Some debt consolidation loans come with fees. These may include:<\/p>\n<p>Before taking out a debt consolidation loan, ask about any fees, including ones for making late payments or paying your loan off early. Depending on your lender, these fees could be hundreds if not thousands of dollars. While paying these fees may still be worth it, you\u2019ll want to include them in deciding if debt consolidation makes sense for you.<\/p>\n<h3>You may pay a higher rate<\/h3>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Lightbulb Icon<\/title>\n<path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        Consolidating your debt likely isn\u2019t the best move for your finances if you have a low credit score and can\u2019t secure a lower interest rate on your new loan.\n    <\/p>\n<\/div>\n<p>Your debt consolidation loan could come with more interest than you currently pay on your debts. This can happen for several reasons, including your current credit score. If it\u2019s on the lower end, lenders see you as a higher risk of default. You\u2019ll likely pay more for credit and be able to borrow less.<\/p>\n<p>Beware of extending your loan term, too. Extending your loan term could lower your monthly payment, but you may pay more interest in the long run.<\/p>\n<p>As you consider debt consolidation, weigh your immediate needs with your long-term goals to find the best solution or consider debt consolidation alternatives.<\/p>\n<h3>Missing payments will set you back even further<\/h3>\n<p>If you miss one of your monthly loan payments, you\u2019ll likely have to pay a late payment fee. Some lenders will also charge you a returned payment fee if a payment is returned due to insufficient funds. These fees can greatly increase your borrowing costs.<\/p>\n<p>Lenders typically report a late payment to the credit bureaus, which means your credit score can suffer serious damage. This can make it harder for you to qualify for future loans and get the best interest rate. Enroll in the lender\u2019s automatic payment program if it has one to reduce your chances of missing a payment.<\/p>\n<h2 id=\"idea\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Is debt consolidation a good idea?\" data-outcome=\"\">Is debt consolidation a good idea?<\/h2>\n<p>Debt consolidation is a good idea if it helps you meet your financial goals, but not if you use it to free up revolving credit or refuse to change how you spend and manage your money.<\/p>\n<p>\u201cMake sure you\u2019re not just moving the debt around without changing your habits,\u201d Joy says. \u201cIf it helps you stick to your plan and reduces stress, great, but don\u2019t use it as an excuse to keep overspending.\u201d<\/p>\n<p>If you\u2019re still unsure whether debt consolidation is a good idea, consider this guidance:<\/p>\n<p><strong>Debt consolidation is a good idea if:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>You have good credit and want to streamline your debt payments.<\/li>\n<li>You are able to secure more favorable terms, including a lower interest rate.<\/li>\n<li>You\u2019re able to afford the monthly payment.<\/li>\n<li>You recognized and are working on fixing bad money habits, like overspending.<\/li>\n<li>You have a plan to pay off debt and avoid it in the future.<\/li>\n<\/ul>\n<p><strong>Debt consolidation is a bad idea if:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>You have bad credit and may not qualify for the loan.<\/li>\n<li>The debt consolidation loan has worse terms than your current debt.<\/li>\n<li>You\u2019re only using the loan to free up revolving credit.<\/li>\n<li>You don\u2019t have a budget or know how to control your spending.<\/li>\n<li>You have trouble managing debt and are consistently late with payments.<\/li>\n<\/ul>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bankrate tip\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Consider using a debt consolidation calculator to determine if consolidating is right for you.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>If debt consolidation is a bad idea at this time, that doesn\u2019t mean it will always be. There are several ways to improve your finances and money habits to put yourself in a better position to consolidate your debt in the future.<\/p>\n<p>A financial counselor can review your budget and spending, and may help you get to the root cause of your money issues. As you build a stronger financial foundation, you can also work on increasing your credit score so, when you do apply for a consolidation loan, you can qualify for better interest rates and terms.<\/p>\n<p>It can also help to consider other options you may have, including other debt repayment strategies and debt relief services.<\/p>\n<h2 id=\"alternatives\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternatives to debt consolidation\" data-outcome=\"\">Alternatives to debt consolidation<\/h2>\n<p>If debt consolidation isn\u2019t right for you, consider alternatives.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Debt management plans: <\/strong>Work with a credit counselor to set up a structured repayment plan.<\/li>\n<li>\n<strong>Debt settlement<\/strong>: Negotiate with creditors to pay a reduced amount. You can do this on your own or hire a debt relief company to help.<\/li>\n<li>\n<strong>Balance transfer credit cards<\/strong>: Transfer high-interest debt to a card with a 0 percent introductory APR.<\/li>\n<li>\n<strong>Snowball or avalanche methods<\/strong>: Pay off debts from smallest to largest (snowball) or highest interest to lowest (avalanche).<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Debt consolidation can be a powerful tool for paying off debt faster and potentially saving on interest. Before you apply, it\u2019s important to weigh the costs, consider your credit score and explore all available options to make the decision that\u2019s best for your financial situation.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 max-w-108 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"FBGd22gh4U\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/personal-finance\/debt\/pros-and-cons-of-debt-consolidation\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Debt consolidation can simplify your finances and potentially lower your interest rate. There may be upfront costs that can offset potential savings. People with good credit may qualify for better loan terms, making consolidation a good option. Debt consolidation involves combining several debts \u2014 such as credit cards, personal loans or medical bills<\/p>\n","protected":false},"author":1,"featured_media":21943,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-21942","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Debt Consolidation A Good Idea? Consider The Pros &amp; Cons | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways Debt consolidation can simplify your finances and potentially lower your interest rate. 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