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STOP PAYING THE HIGH INTEREST RATES OF CARRYING A MONTHLY BALANCE ON YOUR CREDIT CARDS!

Shop around to up to 40 lenders at once without negatively affecting your credit score (SOFT CREDIT CHECK) by applying with one of our premium lenders on our marketplace page. Behind the scenes, we will check your rate with 40 other lenders. You will see all the approvals and you will be able to choose the loan that best meets your needs:
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00:00 – Would SoFi be good for credit card consolidation?
00:45 – Pro: No fees
01:15 – Pro: Interest rate discounts
01:29 – Pro: They will pay off your other debts directly
02:05 – Pro: High loan amounts
02:39 – Pro: They accept cosigners
03:17 – Con: Why SoFi might not be the lender for you
03:39 – How to shop for the best deal
04:10 – Summary

So, what are the pros to SoFi’s credit card debt consolidation loans?

The first pro is that SoFi doesn’t charge any extra fees. And I really mean no fees, even the fees that would be reasonable and expected. Miraculously, they don’t charge late fees if you are past-due on a payment. You also won’t be squeezed throughout the life of the loan by account maintenance fees or NSF fees. And they don’t charge an origination fee at the start of your loan. This means that the entire cost of borrowing from SoFi will be found in their interest rate. It’s important to point out that an origination fee is represented in the APR. The APR would be the interest rate plus the origination fee. Origination fees don’t get reimbursed if you pay the loan off early. Because SoFi doesn’t have an origination fee, you would be rewarded for paying the loan back early.

SoFi also offers a couple of discounts that can save money on the interest rate. You can save .25% if you sign up for autopay and you can save an additional .25% if you use direct deposit into a SoFi bank account.

Another good thing about SoFi for credit card debt consolidation is that they will pay your credit cards off for you directly. This is convenient, but there’s another reason why I think it is really important: it shows that they are aware that the debt consolidation loan is meant to replace other debts and not stack on top of them. So, it should mean that it is easier for you to clear their debt-to-income ratio thresholds. In short, it should be easier to be approved compared to a lender that does not offer direct pay off, especially if you have substantial credit card debt.

And if do you have substantial credit card debt, SoFi might be one of the few lenders who will lend you enough money to consolidate all of it. Their maximum loan amount is $100,000. Few of us would have that much credit card debt, but if you do, SoFi is one of only a couple of companies that could help you. If you have more than $50,000 in credit card debt, I would suggest that you word directly with a certified debt counselor with a non-profit to explore the strategies that would be best for you.

Another good thing about SoFi is that they accept cosigners on their loans. A cosigner would be responsible to pay back the loan if you fail to. If you can qualify for a debt consolidation loan and get the best rate on your own, there is little reason to entangle your spouse or loved-one in the process. But, adding a cosigner can help you get approved if you otherwise wouldn’t have been. They can also help you qualify for a higher loan amount or a lower APR. This is especially true if your cosigner’s credit score is better, debt-to-income ratio is lower, or income is higher.

So, what are the cons to SoFi’s credit card debt consolidation loans?

There’s not much negative to say about SoFi, but let me tell you why SoFi might not be the lender for you. Only people with good to excellent credit and decent incomes will qualify for a SoFi credit card debt consolidation loan. If you are in that category, great. But there are a lot of people who will not be able to land a SoFi loan.

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?????Let’s talk about debt consolidation.

TL;DR – Debt consolidation is a way to put all your debts into one place.

There are pros and cons to this.

????Pros: Everything will be consolidated into one loan, you’ll only need to make one monthly payment, you can lower your interest rate, and simply your finances.

????Cons: An extended payment plan may mean more interest paid over time, your credit score may be negatively impacted, it’s not a one-size-fits all solution.

????Last, be careful, some companies are predatory and may try to take advantage of vulnerable people.

????To stay educated on your debt management – download the MUCH app today to get started on your journey to financial freedom. We can help you figure out a debt payoff framework that will work for you to help you pay down your debt faster.

????Sign up for your free 14-day trial and start tackling your debt today by visiting http://www.usemuch.com/ to get started.

Are you considering debt review in South Africa? Before you make that decision, watch this video where we reveal the 7 key disadvantages of debt review you need to understand first.

Debt review (also called debt counselling) can help South Africans regain financial control — but it’s not the right solution for everyone. In this video, we explain:

???? Why you’ll be blocked from getting new credit
???? How long debt review really takes to complete
???? The legal risks if you stop paying
???? What happens to your credit score
???? And more!

????????? Need help with your debt?
Visit ???? https://www.debtwipe.co.za or jacques@debtwipe.co.za
Or WhatsApp me directly for a free, confidential chat.
073 285 4196

???? Who is this video for?

South Africans struggling with loan repayments

Anyone who received a Section 129 notice

People considering debt counselling

Anyone who wants to understand the debt review process

???? Have questions? Drop them in the comments — I reply to everyone.

???? Don’t forget to like, subscribe, and share this video with a friend who needs to hear it!

Join us as we sit down with Enrolled Agent, and Founder of Golden Lion Tax Solutions, Morgan Q. Anderson, to discuss what Divorce Mediation Testimony is, and how it can help you avoid tax headaches after a divorce is finalized.

As a leading divorce firm in Portland, our attorneys provide guidance on custody, alimony, separation, estate planning, and more. Learn what to expect in Oregon and Washington divorce cases and how we can help.

If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.

To learn more about Morgan and how she can help you with your tax questions, you can visit her website at: https://www.goldenliontaxsolutions.com/

Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

If you’re struggling to keep up with payments, don’t wait to get help.

Contact one of our certified Credit Counsellors today to review your debt situation and discuss your options. All of our appointments are confidential, non-judgemental and free.

#DebtCrisis #CreditTips #PersonalFinanceCanada

Explore the best debt consolidation services to help manage your finances and simplify payments with confidence.
???? Get Freedom Debt Relief ? https://bit.ly/44WAyDa
???? Get National Debt Relief ? https://bit.ly/4bAoUzB
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Timestamp Sections:
00:00 Intro
01:02 Freedom Debt Relief
01:56 Freedom Debt Relief – Fees
03:05 National Debt Relief
03:33 National Debt Relief – Fees
05:13 Accredited
05:47 Accredited – Fees
06:54 JG Wentworth
07:14 JG Wentworth – Fees
08:33 Conclusion
08:57 Outro

————————————————
Overcoming Debt with Smart Solutions
————————————————

Dealing with debt can be overwhelming, but solutions like debt consolidation offer a practical path to financial freedom. By combining multiple debts into one manageable payment, you can simplify your finances and negotiate more favorable terms.

In this video, I’ll share my experience with debt consolidation and introduce you to four top-rated services that specialize in helping people regain control of their finances. We’ll explore each company’s offerings, the types of debt they handle, and their fee structures so that you can find the best option for your situation.

————————————————
Top Debt Consolidation Services
————————————————

First on the list is Freedom Debt Relief, known for transparency and working with the Legal Partner Network to settle debts efficiently. They charge fees between 15% and 25% of your enrolled debt and offer a custom payment plan. Next is National Debt Relief, which focuses on settlement negotiations for those with over $7,500 in unsecured debt, with savings often reaching 23%.

For faster results, consider Accredited, ideal for debts over $10,000, offering quick resolutions but requiring patience for credit recovery. Lastly, JG Wentworth, a well-known service, helps avoid bankruptcy with strong customer support and slightly higher fees ranging from 18% to 25%. Each of these services offers unique advantages, so choosing the right one depends on your financial needs.

————————————————
Exclusive Discounts and Final Thoughts
————————————————

If you’re ready to take the next step toward financial stability, use the affiliate links in the description for exclusive discounts on these services. By following a structured plan with any of these companies, you’ll reduce stress and work toward becoming debt-free in as little as two to four years.

Don’t forget to like, comment, and subscribe for more financial tips and reviews. Let me know in the comments which service you’re considering or any questions you have, and I’ll get back to you soon. Thanks for watching, and here’s to a debt-free future!

Hope you enjoyed my Best Debt Consolidation Services | TOP 4 Companies to Get Out of Debt! Video.

Sheila talks about how she made the call to Credit Counselling Services of Atlantic Canada for debt management help.

Pros and Cons of Debt Relief & Settlement