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  1. While debt consolidation is not always the best option, it can be a great avenue for those who are paying higher interest rates and would like to reduce the amount of payments they make each month. That is why we found it very effective when we paid off all $52,000 in debt in 18 months — it reduced the amount of interest that we were paying ...

    • John Kress
    • Look Into Balance Transfer Offers. Many credit cards will offer you the opportunity to transfer balances from other cards onto that card at a promotional interest rate.
    • Consider a Debt Consolidation Loan. If your credit is good, you might be able to get a personal loan with a fixed APR that’s lower than the rates you’re paying on your accounts.
    • See a Certified Debt Counselor. If you’re really struggling with credit card debt, Clark says you should get in touch with a local affiliate of the National Foundation for Credit Counseling at NFCC.org.
  2. People also ask

    How to get out of debt with Clark Howard?

    What's the best way to consolidate credit card debt?

    Why is debt consolidation a bad option for You?

    Do you need good credit to get a debt consolidation loan?

    • Stop Using Your Credit Cards. The first step seems like it should be self-evident, but it’s actually one of the more difficult steps to put into action.
    • Download a Financial Calculator and Take Inventory. Before we can develop a plan to eliminate debt, we must first understand it. Gather all of your latest credit card statements and take inventory of your debts and interest rates.
    • Set a Realistic Goal for Paying It Off. Clark loves a good debt-elimination plan, but the most important element of any plan is your ability to stick with it.
    • Consider Applying for a Balance Transfer Credit Card to Expedite the Process. Once you’ve arrived at a dollar figure that fits both your monthly budget and the three-year time frame, let’s focus on trying to help speed the payoff process along.
    • Add Up All of Your Debts. The first step to tackling your debt is to make sure you know exactly how much you owe. That means you’ll need to make a list of all of your outstanding debts and include
    • Try to Negotiate With Creditors. Now that you can see what you’re up against, it’s time to find out if there’s anything you can do about getting some of those interest rates lowered.
    • Look Into Refinancing Debt at a Lower Rate. Next, you might try to see if you can refinance at least some of your debt at a lower interest rate. If you have good credit, you may qualify for a credit card that has a low promotional rate on balance transfers for a period of time.
    • Add Debt Payoff as a Line in Your Budget. Now that you’ve done the legwork to make sure you’re paying as little interest as possible on your debt, you’ll want to revisit that list of debts you created in Step 1.
  3. Clark feels that Consumer Credit Counseling Service is the legitimate counseling service out there. They provide credit counseling for free and a debt management service for a three-to-five percent monthly fee not to exceed $50 (different for all states).

  4. Sep 14, 2011 · Howard joined The Daily Ticker's Aaron Task and brought with him advice on how to get out of credit card debt in three years or less! He calls it the best "truth serum" you can get on the matter.

    • Stacy Curtin
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