Is Debt Consolidation a good idea?

When Is Debt Consolidation A Good Idea?

  • I have about 10,000 in debt not counting student loans, and even making the payments to the collector's have me struggling to maintain any type of comfortable lifestyle. I'm ...show more

  • Answer:

    It depends what you mean by consolidate. Will the new interest rate be lower than your current one? (Good if it is) Is it paid off in more time (you will spend more in the long run)? Are you going to rack up this level of debt again? A lot of people take out equity from thier house to pay off debt which is a good strategy but ONLY if you keep your debt paid off and don't continue to build credit card debt. If you do this you are essentially spending your equity to purchase items at the expense of your future.

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