If you make one new year's resolution this year, make an investment in your financial future.When you refinance student loans, you consolidate your existing student loans into a new, single student loan with a lower interest rate and single monthly payment. There are no fees to refinance student loans, and no prepayment penalties means you can pay off your student loans earlier.
. However, many student loan refinance lenders allow you to pause payments if you face financial hardship or lose your job.2. Consolidate credit card debt If you have credit card debt, it may be your most expensive form of debt. With high, variable interest rates, credit card debt can hurt your bottom line.
You can help control and potentially lower your credit card debt payments through credit card consolidation with a personal loan. A personal loan, or credit card consolidation loan, is an unsecured loan ranging from $1,000 - $100,000 that typically can be repaid within 2 to 7 years. When you consolidate credit card debt with a personal loan, you receive a fixed interest rate loan to repay your credit card debt. With a good to strong credit score and income, you could receive a lower interest rate than your existing credit card interest rate. For example, the average credit card APR today is 17%, while personal loans start at about 6%.Improve your income and pay off debt with a side hustle.
Excellent advice! Side hustling is the way to go if you want to pay off your debt fast.
Improve credit score and getting 0% interest, are kinda go together. It's hard for low income ppl to get that. Low income ppl tend to be charge with higher interest than high income. Sad but it's expensive being poor
Yes, learn to make things instead of buying them!
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