Debt consolidating counseling

401 (k) Many 401(k) plans will let you borrow against your retirement savings at relatively low interest, and you pay that interest to yourself.

Home equity loans usually offer lower interest rates and larger loan amounts than personal loans or credit cards.

However, you may be eligible for reduced or waived fees.

When you’re wading in a sea of debt, it can feel overwhelming to stay afloat.

Before applying, ask about balance transfer limits and fees.

Also, you generally won’t learn the APR or credit limit until after and unless you’re approved.

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