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The best way to tell if consolidation is the answer, however, is to do the math.If you can get a lower rate with a loan (and pay it off in the same or less amount of time), consider how much a consolidation may save you over the next few years.If you’ve been carrying a significant amount of debt on your credit card for more than a year, you likely feel the burden of your monthly payments and climbing interest rates.

Your credit score won’t be harmed by filling out this pre-qualification form either.

With credit card consolidation, you take out a new loan and use that loan to pay off the balances on any outstanding credit cards.

Once your credit card balances are at zero, you can focus on making just one monthly payment to the consolidation loan company.

The interest rates for your consolidation loan, if lower than your those of your cards, would result in less interest paid over time.

This saves you money and helps you pay your debt off faster, too.

Credit card consolidation is a good choice for consumers wanting to take total control of their credit card debt, but it cannot fix or prevent future poor spending habits.