: To avoid falling back into debt, create a budget and avoid using the credit cards you just cleared. Critical Considerations
: Unsecured personal loans from banks, credit unions, or online lenders like Prosper . These typically offer fixed interest rates (often 6%–15%) and fixed terms of two to seven years. personal debt consolidation
: Once approved, use the funds to pay off your old accounts immediately. : To avoid falling back into debt, create
: Use comparison tools on NerdWallet to check potential rates with a "soft" credit pull, which won't hurt your score. which won't hurt your score.