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Hey {{first_name|friend}},
Debt consolidation combines multiple debts into one, usually with a personal loan or balance transfer card. It can help, or it can make things worse.
When it helps
The new interest rate is lower than what you're paying now.
You have a plan to pay it off, not just a lower monthly payment.
You've stopped adding new debt.
When it hurts
Fees eat up the savings.
A longer term means paying more interest overall, even at a lower rate.
You run your freshly paid-off credit cards back up. Now you have double the debt.
Quick check
Compare the total cost (interest plus fees over the full term) of your current debts vs. the consolidation loan. If it's not clearly lower, skip it.
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