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8 Ways to Consolidate Credit Card Debt 

Credit Corp

Types of credit card consolidation include credit card consolidation loans, balance transfer credit cards, home equity loans, HELOCs, retirement loans, cash-out auto refinance, family loans, and debt management plans. Table of Contents: What Is Credit Card Consolidation?

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Determining Your Debt-to-Income Ratio

Debt Guru

Bad: You signed on for a high-interest personal loan to cover that vacation last year. Or you’re still working to pay off your variable-interest auto loan from seven years ago. Ugly: You got caught in a high-cost, short-term payday loan with a crazy-high APR. Or you resorted to a loan using your car as collateral.