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The truth is that having any debt means you are financially beholden to a creditor and you can’t put your money in your own pocket until your obligation is met.
You’ve got several options when you make the decision to eliminate debt.
But you can recover from credit score damage much more easily and quickly than you can recover from crushing debt.
When you finish paying off credit cards with a consolidation loan, don’t be tempted to use the credit cards with their newly free credit limits. You may have heard that doing so could hurt your credit score, and it might.
Debt is costly and can prevent us from reaching financial goals (or at least prevent us from reaching them when we’d like to).