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Not only does that simplify your debt payments, but it can also help you save money by making you pay only one interest rate, rather than several.The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.By consolidating your credit card debt into a personal loan, you’ll have a definite plan for paying off your old card debt.You may be able to consolidate your debt with a personal loan from your bank or credit union.

And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.Whichever option you choose, you will use it to pay off your multiple balances.Then you’ll only have one monthly payment: the loan, the credit card, or the debt management plan.If you’re making little to no progress repaying or transferring balances or consider yourself to have a severe debt problem, then you may want to reach out to a reputable credit counseling agency or debt consolidation company.They can talk to you about a With a debt management plan, you make one monthly payment to a credit counseling agency, and the agency pays each of your credit card lenders.

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