Debt Consolidation

Back in 2021, I sat at my kitchen table staring at a spreadsheet with seven different debt balances, interest rates scribbled in red, and minimum payments that somehow added up to more than I remembered agreeing to. I felt stuck. Not because I didn’t understand math, but because every time I opened that spreadsheet, I…

You’re paying $187 on one credit card, $95 on another, and $142 on a third — and somehow your balances barely budge. When your credit score sits below 630, those interest rates aren’t just high, they’re punishing. I’ve talked to dozens of people stuck in this exact cycle, watching 24% APR turn what should be…