Do you have too many credit cards and struggle with keeping up with monthly payments? You’re not alone. It’s super-easy to use multiple cards and find yourself in a real jam.

Good news: there is an option that can help consolidate multiple monthly payments into one, consistent payment monthly that will steadily pay down all that revolving debt you accrued. You might be wondering, “what is this magical option?” The answer is a personal loan to help debt consolidation. And it’s not magic at all. Just good sense and math.

Let’s talk about why debt consolidation can be a good thing:

• As we mentioned, it can help turn multiple payments each month into one predictable payment. For those of us who have a lot going on and might forget to pay a bill here and there, and that can affect your credit score negatively. It’s important to either consolidate and make debt easier, or set reminders in your devices to make sure you pay each of your card payments on time.

• Debt consolidation can help you prevent running up future debt. It’s much easier to organize your thoughts and spending around one payment in comparison to multiple different payments. Once you get that overwhelming burden into one targeted item, you can begin to strategize what you did in the past versus what you’re going to do in the future to help keep you out of debt.

• You can reorganize multiple bills with different interest rates, payments and due dates into one loan with a fixed rate. Make the payments, stay on time and start rocking out to the debt defeater tune of your choice. Some of our favorite songs include, “The Final Countdown,” or “Another One Bites the Dust.” Don’t laugh – these are great debt-slaying songs!

If this is you and you’re looking to consolidate bills, credit cards and manage debt and you need a little help, a LendingPoint loan may be a great option. Even if your credit score is lower than you would like it to be, you might have personal loan options. LendingPoint is dedicated to serving the NearPrime consumer with credit scores in the 600s.

A personal loan can even help improve your credit score. By taking out one of our personal loans – and putting those credit cards away in a safe place where you will use them only for true emergencies — you can make affordable monthly payments and build your credit story by making on-time regular payments. As you continue to make your payments on-time, you build a more positive credit history. We offer decisions in minutes and funding as soon as the next business day.

We would love to help finance your debt consolidation mission. Apply today and talk with one of our amazing representatives about making your dreams a reality.

Tags: 2018 finance goals, consolidate debt, debt, debt consol, financial fitness, financial resolutions, get finances in order, get financially fit, get out of debt, new years resolution