Is debt consolidation a good idea?

[Boluker]

I have about $10k in credit card debt for small purchases that added up way too quickly (i.e. groceries, eating out). It's on two credit cards through Chase with approximately 24% interest on each. Is it better to continue to make $200 monthly payments (or as much as I can that month) to Chase or take out a personal loan for $10k with a lower interest rate?

[FREEDDAWG]

Debt consolidation can be a good idea in certain situations, but it ultimately depends on your individual financial circumstances and goals. Debt consolidation involves taking out a new loan to pay off multiple debts, such as credit cards or personal loans, and consolidating them into a single monthly payment with a lower interest rate. However, before you start using the services of a particular company, it is worth reading the reviews about it. Therefore, I can recommend grace loan advance reviews reddit (https://crixeo.com/debt-consolidation/grace-loan-advance-review/). If you read these reviews, you can decide if you should use the services of these guys. I hope my answer helps you!

[Wes23]

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