09/02/2026
💰Paying $350 a month just to stand still is not a strategy.
A $20,000 credit card balance at 21% can cost roughly $4,200 a year in interest, while barely reducing what you owe.
Debt consolidation is not about simply moving debt. With the right structure and repayment plan, it may help lower borrowing costs and redirect more of your money toward the principal.
The goal is not to make debt look smaller. It is to create a plan to eliminate it.
📌Save this post, and follow for mortgage strategies that look beyond the monthly payment.