Snowball vs Avalanche — see exactly when you'll be debt-free and how much interest you'll save.
Pay minimums on all debts, then put extra money toward the smallest balance first.
Pay minimums on all debts, then put extra money toward the highest interest rate first.
Pay half your monthly amount every two weeks — you'll make 13 full payments per year instead of 12.
Tax refund, bonus, or gift — apply 100% to your highest-rate debt before spending any of it.
Call your credit card issuer and ask for a rate reduction. If you've paid on time, there's a good chance they'll say yes.
Move high-rate balances to a 0% intro APR card. Every dollar of payment goes to principal, not interest.
Cancel one subscription or reduce dining out by 50%. Apply that savings directly to debt each month.
If your credit score improved, a personal loan at lower APR can save thousands in interest and simplify payments.
Compare personal loans from top lenders. Pre-qualify in 2 minutes — no credit score impact.
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