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2. How to protect yourself from debt relief and credit scams - AOL

   www.aol.com/finance/debt-relief-credit-scams...

   Debt consolidation: Debt consolidation replaces multiple existing debts with one large debt, ideally with a lower interest rate. Combining many debts into one account allows you to make just one ...

3. Does Debt Consolidation Hurt Your Credit?

   www.aol.com/finance/does-debt-consolidation-hurt...

   Learn how debt consolidation can impact your credit. See the long-term effects on your credit score and how debt management can improve your credit.

4. Pros and cons of debt consolidation

   www.aol.com/finance/pros-cons-debt-consolidation...

   American consumer debt — including mortgages, car loans, credit cards and student loans — reached $16.90 trillion in the fourth quarter of 2022, according to the New York Federal Reserve. This ...

5. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   Debt consolidation doesn’t get rid of your debt, but it can help you pay it off efficiently. You should weigh the pros and cons and know how it will affect your credit score to decide if debt ...

6. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   Debt consolidation takes place when you move two or more of your existing debts into one new debt, typically with the help of a product like a debt consolidation loan or a balance transfer credit ...

7. What are debt relief companies and how do they work? - AOL

   www.aol.com/finance/debt-relief-companies-look-3...

   Key takeaways. Debt relief can take three forms: debt settlement, consolidation and management. Working with a debt management company can result in less debt or a faster payoff — but there are ...