Dive into the differing perspectives as Graham Stephen discusses Dave Ramsey’s stance on debt consolidation!

Credit: @TheIcedCoffeeHour @CalebHammer

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#shorts Ever heard of a Debt Consolidation Loan with Navy Federal? They do indeed. Navy Federal offers many loan programs to members. The debt consolidation loan is just one of them. Easy qualification and quick funding as well. As per NFCU, sometimes, funding can be in a day dependent on the applicant’s meeting the requirements including credit profile.
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These companies appear in Canada every few years, usually during a recession. Many of them originate from the U.S.

They’ll spend money on huge advertising campaigns, take people’s money and then go out of business before leaving Canada.

Personal finance expert Seth Godwin explains how these companies operate.

Debt consolidation loans can sound like the perfect solution to clear your debt quickly — one simple monthly payment instead of juggling multiple bills.

But here’s the truth: consolidating your debt won’t solve the underlying problem if you don’t change your spending habits. In some cases, debt consolidation can even leave you worse off by extending your repayment term or adding extra interest over time.

In this video, I’ll break down how debt consolidation loans work, the risks you need to be aware of, and what to consider before taking one out. This isn’t about scaring you, it’s about making sure you have all the information so you don’t end up in a deeper financial hole.

I know how tempting quick fixes can feel when you’re overwhelmed with debt — I’ve been there. But if you take the time to understand your options, you can make the right choice for your financial future.

???? Start your journey here:
https://pensight.com/x/thefreedomfinancecoach

???? Have you ever considered a debt consolidation loan, or do you think it’s too risky? Comment below ????

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Can I Get A Debt Consolidation Loan With Bad

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“Before you jump into debt consolidation, let me break it down for you. ????

Most of these so-called debt relief companies will tell you to STOP paying your bills so they can “negotiate” on your behalf. Sounds good, right? WRONG. ?

Here’s the truth:
???? You’ll default on your accounts.
???? Your credit score will take a major hit.
?? You could end up worse than where you started.

A smarter approach? ???? Get a personal installment loan from lenders like SoFi, Lending Club, or Best Egg. This allows you to:
? Pay off your high-interest credit cards.
? Lower your overall interest rate.
? Reduce your credit utilization (which makes up 30% of your score).
? Keep your credit score intact—or even increase it!

Moral of the story? Don’t fall for the “quick fix” traps. Leverage debt the right way and set yourself up for financial freedom.

???? Want more credit and wealth-building strategies? Click the link in my bio and book a free discovery call with one of my wealth advisors today!

#FullTimeCEO #SmartMoneyMoves #DebtFreeJourney #WealthBuilding #CreditScoreTips #FinancialFreedom #EntrepreneurMindset #MoneyMatters #CreditEducation #DebtConsolidation”

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.

If you found this video useful, please consider liking it and subscribing to our channel. Thanks for watching. https://theyukonproject.com/product-comparison/compare-personal-loans/?swcfpc=1

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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.

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
???? Get Accredited Debt Relief ? https://bit.ly/3QLYlhk
???? Get JG Wentworth ? https://bit.ly/3QUCbtb
????EXCLUSIVE DISCOUNTS AUTOMATICALLY APPLIED????

???? *Business Inquiries:*
For sponsorships and collaborations, please contact us at HMEsponsorships@protonmail.com

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

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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.

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Top Debt Consolidation Services
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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
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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.