Interest rates can make a significant impact on how big your monthly payments are and the length of time it will take to pay off the debt -- therefore, interest rates are the first thing to consider in the consolidation equation.
Your credit card's interest rate is also called an annual percentage rate (APR), and these rates can be fixed or variable.
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Instead of paying high-interest rates and making multiple payments each month, you can get a lower rate and pay off your debts with one monthly payment. Here's how to consolidate, step-by-step: Credit card debt is one of the most expensive types of debt.
Especially if you only make the minimum payment, you’re barely making a dent in your loan balance, and it can be hard to keep your head above water.
If the numbers look good, it’s time to get started.