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Bogged about your growing credit card debt? There are very minimal requirements and fees and are easy on the budget. The most common routes to debt relief are settlement negotiations, consolidation, and applying for a personal loan:

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A debt settlement is a route you can take to help you settle your debts with your creditors. A debt settlement agency contacts your creditors, collectors, or lenders and gives them a bargain sum that is meant to pay off your entire debt, typically, an amount that is lesser than what you originally owed.

In a debt settlement negotiation, your designated agency will ask you to stop payments on your debt bills and to make diverted monthly payments to them, instead. In turn, the agency discusses with your creditors for a settlement offer on your behalf.


  • An instant solution to settling your outstanding debts
  • Your debt settlement agency negotiates directly with your collectors and creditors on your behalf
  • Gets creditors and collectors off your back


  • Your creditors or collectors might not agree to settle
  • It could result in a higher premium because of the accumulated late fees and penalties
  • Can potentially harm your creditworthiness and credit score for delinquent payment records


Consolidating debt is the process of combining all of your debts collectively into one monthly payment. Debt consolidation can be in the form of applying for a personal loan and using the funds released for that loan to pay off all your other smaller debts, or, letting an elected consolidation agency pay off your other loans while you make singular payments directly to them with a more reduced interest rate and monthly for those who are struggling to recompense several different credit card bills or debts and gives them a chance to streamline and suitably manage their finances under one monthly payment while enjoying lower fees and encouraging quick repayments for debt.



  • It allows you to pay off your debt quickly with a more reasonable and affordable price tag.
  • Your chosen debt consolidation agency will deal directly with your creditors on your behalf.
  • Higher chance of a more reduced interest rate and lower monthly premiums.
  • It provides a more simplified payment scheme.


  • Some agencies do not permit you to keep a credit card, however, some debt relief agencies consent to keeping one “emergency” credit card.
  • Could result in a higher APR for applicants with poor credit.
  • Partnering with the wrong debt consolidation agency could put you into deeper debt.
  • Will initially hurt your credit score but regular on-time payments will eventually help you regain it.
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Personal Loans

A personal loan is a sum of money that you borrow for whatever purpose it may serve.  Personal loans are usually applied through banks, credit agencies, credit unions, or other money lending agencies, you pay the money back with interest through straight payments or installments over time.

Most personal loans are unsecured, which means that they are not backed by collateral and the interest charges are stated in an annual percentage rate (APR). Personal loans typically have an APR of 9.41%, however, based on your credit ranking, creditworthiness, and your debt-income ration, an APR could go as low as 4.99% to 36%.


  • You can use the funds for whatever purpose.
  • Most personal loans are unsecured and do not require collateral.
  • You can use your loan to settle your debts.
  • Easy to apply for and has more flexible payment terms.


  • Has fixed payment terms that have to be paid on time.
  • It usually includes an origination fee.
  • If you decide that you want to pay the loan off straightaway you will usually have to pay a break fee.

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