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14-Feb-2020 16:12

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“If you can get your bank to approve a loan, that’s great," says Tim Gagnon, assistant academic specialist of accounting at the D' Amore Mc Kim School of Business at Northeastern University.

"But your bank may not be looking to keep you as a client and your credit scores may not be high enough to meet their lending requirements.” If not, you should start by paying off your highest-interest debt first.

Home equity loans or home equity lines of credit (HELOC) are another form of consolidation sought by some people.

Usually, the interest for this type of loan is deductible for taxpayers who itemize their deductions.

These organizations do not make actual loans; instead, they try to renegotiate the borrower’s current debts with creditors. The Internal Revenue Service (IRS) does not allow you to deduct interest on any unsecured debt consolidation loans.

If your consolidation loan is secured with an asset, however, you may qualify for a tax deduction.

Theoretically, debt consolidation is any use of one form of financing to pay off other debts.

A consolidation loan may also be kind to your credit score down the road.

Even if the monthly payment stays the same, you can still come out ahead by streamlining your loans.

Say that you have three credit cards that charge a 28% APR; they are maxed out at ,000 each and you're spending 0 a month on each card's minimum payment.

This amounts to a total savings of ,371.51 (,750 for payments and ,621.51 in interest).

Of course, borrowers must have the income and creditworthiness necessary to qualify with a new lender, which can offer them at a lower rate.“Typically, the loan has to be paid off in three to five years,” says Harrine Freeman, CEO, and owner of H. Freeman Enterprises, a credit repair and credit-counseling service in Bethesda, Maryland, and author of “How to Get Out of Debt.” These types of loans don’t erase the original debt; they simply transfer all your loans to a different lender or type of loan.



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