{"id":24546,"date":"2026-04-27T05:26:24","date_gmt":"2026-04-27T05:26:24","guid":{"rendered":"https:\/\/incredipros.com\/?p=24546"},"modified":"2026-04-27T05:26:24","modified_gmt":"2026-04-27T05:26:24","slug":"what-is-credit-consolidation-ramsey","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24546","title":{"rendered":"What Is Credit Consolidation? – Ramsey"},"content":{"rendered":"
\n

Get this: 55 million households are swimming in the deep end of credit card debt.1<\/sup>,2<\/sup> Many of those are probably looking at credit consolidation as a way out. <\/sup>But the problem is . . . the way out really isn\u2019t the way out. It only leads you further into the deep end. Pretty depressing, right? Don\u2019t worry\u2014credit consolidation isn\u2019t the lifeboat you\u2019re looking for. There\u2019s another way to get rid of that pile of debt, and it doesn\u2019t include signing up for yet another loan. Stick with us, and we\u2019ll show you how to dump debt and change your life for good. But first, let\u2019s talk about what credit consolidation is and why it\u2019s a bad idea.\n <\/p>\n

What Is Credit Consolidation?<\/h2>\n

Credit consolidation is the process of taking multiple credit card payments (with sky-high interest rates) and rolling them into one single payment. The goal with consolidation is to exchange all those payments and high interest rates for a loan with one payment and a low interest rate. Sounds nice, doesn\u2019t it? Well . . . there\u2019s a catch: You don\u2019t always get a lower rate. Sometimes, you get an even higher<\/em> one. And that\u2019s exactly why we at Ramsey like to call this credit CONsolidation.\n <\/p>\n

\n

Pay off debt fast and save more money with Financial Peace University<\/em>.<\/p>\n<\/p><\/div>\n

At this point, you\u2019re probably wondering, \u201cWhat\u2019s the point of consolidating if I\u2019m not even going to get a better rate?\u201d Spoiler: There isn\u2019t one. But if you\u2019re still kicking the tires on the idea of how credit consolidation might help you, keep on reading.\n <\/p>\n

What\u2019s the difference between credit consolidation and debt consolidation?<\/h3>\n

In your search for help, you may have come across something called debt consolidation. So, what\u2019s the difference? Truth is, there isn\u2019t one. Credit consolidation is just debt consolidation with a different name. But don\u2019t be fooled. No matter what you call it, it\u2019s still a bad idea.\n <\/p>\n

How Does Credit Consolidation Work?<\/h2>\n

When debt payments are eating up your income, you\u2019ll do anything to keep more of your hard-earned money where it belongs\u2014in your wallet. Here\u2019s how credit consolidation is supposed<\/em> to do that:\n <\/p>\n

Let\u2019s say you\u2019ve got three credit cards. You owe $850 to Discover at an interest rate of 21%, $3,500 to MasterCard at 17%, and $5,440 to Visa at 19%. (Insert long, low whistle here.) <\/em>To say you\u2019re struggling to make the minimum payments on all these cards month after month\u2014on top of your other bills\u2014is an understatement.\n <\/p>\n

So, you hit up a lender to talk about credit consolidation. This lender will offer to \u201cmake things easier\u201d on you by lumping those credit card payments into one through another loan or another credit card. (Ahem\u2014that means more debt.)\n <\/p>\n

But you\u2019ve got to prove you\u2019re a good candidate. The lender will check out your debt-to-income ratio, your credit score, mortgage info, insurance and more. If they decide you\u2019re worthy, they\u2019ll offer you a loan.\n <\/p>\n

Depending on what kind of lender and what kind of loan you got, the lender may pay your old debts for you with the money you\u2019re borrowing. Or the lender will just cut you a check or send you a new credit card so you can pay off the old debt yourself. Either way, you\u2019re still in debt and have to make monthly payments to the new lender. See how this isn\u2019t really solving your debt problem?\n <\/p>\n

Is Credit Consolidation a Bad Idea?<\/h2>\n

Absolutely. If your credit card debt\u2019s got you in over your head, the worst thing you could do is get another loan\u2014even if that loan promises to be the answer to your problems. (It\u2019s not.) Remember: You can\u2019t borrow your way out of debt.\n <\/p>\n

With credit consolidation, you\u2019re trying to fix your credit card debt with a lower interest rate. But the interest rate really isn\u2019t the problem. The problem is that you\u2019re spending everything you make instead of paying off your debt.\n <\/p>\n

Personal finance is 80% behavior and only 20% head knowledge. So that means, no matter what solution you come up with to take care of the debt, it\u2019s not going to stick unless you decide to start with the person in the mirror.\n <\/p>\n

The truth is, there\u2019s no \u201csilver bullet\u201d that will painlessly solve your debt problem. You have to take control of your spending and decide enough is enough. You\u2019re not going to live with debt anymore! \u00a0\n <\/p>\n

To help you avoid any other distractions, we\u2019ll go ahead and tell you that credit and debt consolidation loans come in many different forms (with many names), and every single one of them is a bad idea.\n <\/p>\n

Here\u2019s what you need to watch out for:<\/h3>\n

Debt settlement: This one is a doozy. In the case of debt settlement, you\u2019ll pay a company to \u201csettle\u201d your debts for you. But often, they\u2019ll tell you to stop paying your debts while they collect your money and negotiate a lower rate or lower balance. All that does is put you further in the hole. Yikes<\/em>.\n <\/p>\n

Credit card balance transfer: Balance transfer credit cards allow you to transfer your debt to a card with a zero interest rate (plus a fee). But that zero rate is only a promotion. Once it ends, you\u2019ve got to start paying up\u2014at a variable interest rate too. Do yourself a favor and avoid this one.\n <\/p>\n

Debt management plan (DMP): Instead of walking through a DMP with a credit counselor, why not create your own (without the fees) with a financial coach? You can and will get out of debt\u2014and you don\u2019t need a DMP to do it!\n <\/p>\n

Home equity line of credit (HELOC): Don\u2019t even think about it. Borrowing money from the equity in your home is a really, really<\/em> bad idea. There are better ways to keep your head above water without putting your Four Walls at risk.\n <\/p>\n

401(k) loan: Just like Taylor Swift is never ever getting back together with her ex, you should never ever take a loan from your 401(k). Sure, you might think, \u201cI\u2019ll pay myself back.\u201d But think of it this way: You\u2019re stealing from your future. Plus, you\u2019ll get slammed with interest and crazy fees on top of what you take out. It\u2019s just not worth it.\n <\/p>\n

Take Control of Your Money<\/h2>\n

At this point, you\u2019re probably wondering how in the world you\u2019ll ever get your head above water. Don\u2019t worry. You will. How do we know? Because you\u2019re looking for a way out and you\u2019re finally ready to change how you handle your money.\n <\/p>\n

This is the moment you have to decide if you want to take the \u201ceasy\u201d way out (that will just lead you further into debt) or choose to take the road that leads to real freedom from debt. Here\u2019s the thing: The road to freedom is never easy. But it\u2019s so worth it. So, get your game face on, pull up your bootstraps, and let\u2019s get to work. Follow these steps, and you\u2019ll be kicking your debt to the curb in no time:\n <\/p>\n

1. Make a budget (and stick to it).<\/h3>\n

This is the most important thing you\u2019ll do this month. Just like brushing your teeth should be the first thing you do every day, a budget should be the first thing you do every month (before the month even begins). Creating a zero-based budget means that your income minus your expenses should equal zero. Don\u2019t worry, we have an app for that. It\u2019s called EveryDollar, and it\u2019s free. Download it here and create your first budget today.\n <\/p>\n

And get this: The average household finds $332 in their first month budgeting with EveryDollar. Score!<\/em>\n <\/p>\n

2. Use the debt snowball method to get rid of your debt forever.<\/h3>\n

Credit consolidation has nothing on the debt snowball. It\u2019s true\u2014this is the best way to get out of debt for good. Here\u2019s how it works:\n <\/p>\n

    \n
  1. List your debts from smallest to largest regardless of interest rate.<\/li>\n
  2. Make the minimum payment on everything but the little one.<\/li>\n
  3. Attack the smallest debt with a vengeance. Once that debt is gone, take that payment and put it toward the next-smallest debt. The more you pay off, the more your freed-up money grows and gets thrown on the next debt (like a snowball rolling downhill).<\/li>\n
  4. Repeat until you\u2019re completely<\/em> debt-free.<\/li>\n<\/ol>\n

    Want to know why the debt snowball method is so powerful? Once you pay off that smallest debt and see that snowball grow, you won\u2019t want to stop. It\u2019s the small wins that will keep you rolling that snowball until you\u2019re completely<\/em> free. And that\u2019s a great feeling.\n <\/p>\n

    3. Talk to a financial coach and get a customized money plan.<\/h3>\n

    Have you ever had someone really believe in you? Someone who walked alongside you in a tough time and cheered you on to victory? If not, it\u2019s time to talk to a financial coach and invite them to join your team.\n <\/p>\n

    They\u2019ll help you create a plan to get from where you are to where you want to be\u2014winning with money. And then they\u2019ll cheer you on every single step of the way (and help you course-correct if you get off track).\n <\/p>\n<\/p><\/div>\n

    Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    Get this: 55 million households are swimming in the deep end of credit card debt.1,2 Many of those are probably looking at credit consolidation as a way out. But the problem is . . . the way out really isn\u2019t the way out. It only leads you further into the deep end. Pretty depressing, right?<\/p>\n","protected":false},"author":1,"featured_media":24547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24546","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nWhat Is Credit Consolidation? - Ramsey | IncrediPros<\/title>\n<meta name=\"description\" content=\"Get this: 55 million households are swimming in the deep end of credit card debt.1,2 Many of those are probably looking at credit consolidation as a way\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24546\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Credit Consolidation? 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