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Therefore, while acquiring debt may be a means to a good end, it can make life difficult along the way. One of the most popular methods of reducing the money spent on debt is to consolidate debt into a loan that has more favorable terms than what a consumer currently has on credit cards.
A debt consolidation loan combines all of your existing loans into one loan with a lower interest rate and a lower payment. In addition, a debt consolidation loan has an additional benefit in that consumers go from making many payments to many creditors a month to making one payment to one creditor each month. This can significantly reduce stress and streamline the repayment process.
Consumers can accomplish consolidation loans in a number of ways, depending on their individual circumstances, the amount of their debt, and their credit score. There are generally no restrictions on the use of funds for a home equity line of credit, so the consumer is free to use the proceeds of the loan in any way deemed suitable.
Home equity lines of credit are generally easy to qualify for if the consumer has sufficient equity, a reliable source of income, and an acceptable credit score. Consumers who are homeowners can also consider another type of loan that utilizes the equity in the home called a home mortgage refinance with a cash-out. This means that the homeowner borrows more than what he or she owes on the current mortgage and uses the excess cash to pay off existing debts.
Consumers wishing to utilize a home refinance with cash out also need to have sufficient equity in the home, a predictable source of income, and a decent credit score. Consumers can usually get a better interest rate on a personal loan than the rates being paid on credit cards. Generally, these loans facilitate a fast payoff through favorable interest rates but short payoff terms. Therefore, the monthly payments may not be much less, but the debt will go away quickly and with the consumer paying far less interest.
Debt consolidation, if done correctly, can be a powerful tool in getting a consumer out from under a heavy debt burden. One of the most desirable things about a debt consolidation loan is that a consumer goes from making many payments to creditors to making just one single payment to the debt consolidation lender. Many consumers feel this will lift a heavy burden off them and help clear a path to becoming debt free. Moreover, having less to administrate will help guard against missed payments, which can severely affect a credit score.
Sometimes just streamlining the payment process can help consumers feel more in control of their financial future and set them on the path to financial health. Most times, when a consumer takes out a debt consolidation loan, the overall cash outlay each month is lower. This can help a consumer to avoid taking on new debt and, perhaps, start saving money instead of spending into the negative every month.
Creating and funding a savings account can help consumers avoid going into debt when faced with an emergency expense such as a medical bill or an expensive car repair. One of the goals of a debt consolidation loan is to lower the overall interest rate that a consumer pays on his or her debt. This will lead to assured savings in the long run.
If a consumer is running chronically behind on bills, a debt consolidation loan can help him or her to catch up. This can improve the quality of life of those who are living under the stress of dealing with living paycheck to paycheck or running behind on their bills. In addition, credit scores can suffer greatly when bills are late. Consolidation loans also carry with them certain disadvantages.
Debt consolidation loans can take away the oppressive burden of overwhelming debt very quickly, but if consumers are undisciplined, they could find themselves in worse trouble. When consumers go through the hard work of paying off their debt payment by payment, they learn valuable lessons. Chances are strong that they will be less likely to run up their debt again.
Consumers that take a debt consolidation loan to pay off their debt and then continue to accumulate debt on credit cards can spend their way into financial ruin. Debt consolidation loans can lower monthly payments and provide significant relief for consumers who are struggling under a heavy debt load. However, consumers need to be aware that consolidation loans can often mean paying more interest in the end.
The idea behind debt consolidation is that if you put all of your debts in one place they will be easier to pay off. The pros of debt consolidation are that you have one bill with one interest rate that you pay on one due date. However, the issue with putting all of your eggs in one proverbial basket is that if you miss one payment, the consequences are much greater.
When you consolidate debt, your credit score will go down a bit temporarily. This is because the consolidation will trigger an inquiry into your report. This decrease, however, is temporary. In fact, your debt consolidation has the potential to increase your credit score in the long term if you make consistent payments. Payment history makes up 35 percent of your credit score.
Making sporadic payments, or worse, missing payments, is a quick way to destroy your credit score. However, making consistent payments on a debt consolidation loan can begin to push your score back up and show that you are making an effort to deal with your debt. Debt consolidation has the potential to be very positive for your credit, but if not handled well it can also have the opposite effect. Your credit utilization makes up 30 percent of your credit score.
When your debt-to-credit ratio is in the 10 to 30 percent range, this factor has a positive effect on your credit score. However, when you consolidate debt and put a large sum on one credit line, possibly maxing out that credit line, your ratio will be considerably higher, having a negative effect on your credit score. As long as you are making consistent payments on your debt consolidation and not making new debt, this drop in your score should be temporary.
Your credit rating is not just about your credit score, though. It looks at other factors like income, job stability, and ability to use dormant credit lines. Consolidating your debt will take certain lines of credit out of your credit mix.
This will have an effect on your credit rating. However, that is only one factor in your credit rating. One way to consolidate a debt is through a balance transfer card. If you have a good credit score, getting a balance transfer card can often prove easier than getting a personal loan. With a balance transfer card, you are essentially transferring your high interest credit card debt to a card that will offer you a lower interest rate.
Many balance transfer cards offer introductory zero percent APR periods. The important thing to note here is that the rate is only for a limited amount of time. If you are planning to go the balance transfer route, it is essential to pay off the debt during the introductory period.
This means that you need to have a solid repayment plan for how you will do that. It also means that you need to stay away from creating new debt. Keep in mind, too, that balance transfers are not free. Most balance transfer cards will charge a transfer fee that is usually between 3 and 5 percent of the amount you are transferring over. Getting a personal loan through a bank or a credit union is another way to consolidate your debt.
The better your credit score when you apply for a personal loan, the better chance you have of not only getting a loan but also securing a lower interest rate. A personal loan will be paid out in a lump sum. In order not to create more debt for yourself, make sure you request the amount you need to pay off your debt, no more, no less. If you are dealing with credit card debt, you will also need to decide whether you will close your accounts or keep them open.
Loans will have a specific time frame for repayment that can be anywhere from one year to five years. Focus your efforts on repaying your loan. You will, however, see that missed payment affect your credit score. If you feel your monthly payments are out of reach, you can ask for a longer repayment period to lower them.
Just know that a longer payment period means more time for interest to accrue on the loan. This is a kind of secured debt that allows you to take out money against the value of your home. It usually has low fixed interest rates, between 4 and 12 percent. The interest is usually tax deductible, which is a bonus. Home equity loans also have longer repayment periods, sometimes up to 30 years. This means you will have lower monthly payments and more time to pay off the debt.
The specific terms of your home equity loan will depend on a variety of factors, including the equity in your home and your credit utilization ratio. The obvious con to this kind of debt consolidation is that you are putting your home at risk. If you default, you could be looking at a foreclosure.
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