Americans are carrying a total of $1.2 trillion in credit card debt. But Affinity Plus says debt consolidation programs can help save money.

Key takeaways Debt consolidation can simplify your finances and potentially lower your interest rate. There may be upfront costs that can offset potential savings. People with good credit may qualify ...

Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing ...

Debt consolidation can be an excellent solution if you have multiple debts you're struggling to keep up with. It makes getting out of debt easier — and sometimes cheaper. That said, debt consolidation ...

Buy Side's best overall choice for debt consolidation is LightStream, which offers some of the lowest advertised APRs and ...

GREENSBORO, N.C. — Got debt? You're not alone. Business Insider estimated the average debt for each North Carolina resident last year. was $96,000+. This number includes mortgages, car loans, student ...

Debt consolidation and bankruptcy are strategies to relieve debt, but the effects are radically different. Bankruptcy can give you a fresh start by restructuring your debts or liquidating some of your ...

Consolidating credit card debt with a personal loan means taking out a new personal loan, using the loan proceeds to pay off ...

Debt Consolidation vs. Debt Settlement: What's the Difference? Struggling with multiple debts? Understanding the difference between debt consolidation and debt settlement is crucial for managing your ...

"Federal Trade Commission rules include an advance-fee ban," says Pack. "This rule prohibits a debt relief company from ...

Credit card debt piling up? Here's what you need to know in order to stop the stress and start moving forward.