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That means you’ll pay less each month to just one lender instead of many.While it’s not as drastic as debt settlement or debt management, debt consolidation has its own pitfalls that you need to be aware of.One potential option to get organized and streamline your bills is debt consolidation.Debt consolidation lets you roll several debts into one loan with a lower interest rate and longer payment term.

“Money is the last taboo subject,” said So Fi Chief Operating Officer Joanne Bradford in a May episode of the Digiday podcast. They’re uncomfortable with talking about how much they make, how much they save, what they can do with it.” According to the American Psychological Association’s latest “Stress In America” report, money is the number one cause of stress—ahead of work, family, and health concerns.This can make repayment more convenient and efficient.Also, in some cases, the consolidation loan interest rate may be lower than the cards' interest rates.People often consolidate by applying for a personal loan, but other consolidation strategies, like Credit card debt can build up for a lot of reasons.Wedding expenses, unexpected medical bills, or personal emergencies can leave you in a financial lurch — or maybe you lost track of spending, and things just got out of hand.