[Consolidation] Videos
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When your debts go out of hand, you might find it easier to just take out a loan to settle everything, but is debt consolidation a good idea? Watch this video to learn all about this and whether or not it’s a good option for you!
Watch And Enjoy!
Justin Mirche
Key Moments In This Episode
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00:00 Intro & Summary
00:34 What Is Debt Consolidation?
01:58 Different Types Of Debt Consolidation Loans
03:43 Common Trap With Debt Consolidation Loans
04:45 Pros Of Debt Consolidation Loans
06:51 Cons Of Debt Consolidation Loans
What To Watch Next
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Learn More about Justin Mirche
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Justin Mirche is the founder and President of Justin Mirche Consulting. He has a vast background in finance and has been the go-to person for friends, colleagues, and clients for years to assist in solving a wide array of credit and finance challenges. His experience and dedication have transformed lives, families, and businesses. Now, he wants to share his expertise to help a much broader audience. With his YouTube channel, Justin wants to answer questions that affect our everyday lives, erase confusion dispel myths about credit and finance, and provide valuable advice to help you level up and reach your credit and financial goals.
Website: https://justinmirche.com/
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Learn how debt consolidation works, what your options are, and how it can simplify your monthly payments.
???? Get Freedom Debt Relief ? https://bit.ly/4nIfpE4
???? Get National Debt Relief ? https://bit.ly/3SdMsRS
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Learn how debt consolidation works, what your options are, and how it can simplify your monthly payments.
Timestamp Sections:
00:00 Intro
00:51 What is Freedom Debt Relief
01:54 What is National Debt Relief
02:42 How Freedom Debt Relief Works?
04:26 How National Debt Relief Works?
05:40 Plans & Pricing
06:21 Freedom Debt Relief Benefits
07:23 National Debt Relief Benefits
08:18 Considerations
09:19 Final Thoughts
09:36 Outro
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Overview of Freedom Debt Relief and National Debt Relief
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In today’s video, I’m sharing my personal experience and a detailed review of two of the biggest names in debt consolidation: Freedom Debt Relief and National Debt Relief. Freedom Debt Relief uses a strategy called debt settlement where you save money into an FDIC-insured account, and they negotiate to settle your debts for less than you owe — no upfront fees or credit checks required. Meanwhile, National Debt Relief focuses more heavily on actually reducing your total debt through negotiations. Both companies have helped hundreds of thousands regain financial control, but their approaches and features are slightly different, and I’ll help you understand which might be the better fit for your situation.
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How Their Programs Work
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Both companies make the debt consolidation process surprisingly simple and accessible. Freedom Debt Relief starts you off with a free consultation, setting up a step-by-step plan, and provides helpful tools like a 24/7 online dashboard and a Legal Partner Network for extra support if creditors escalate. National Debt Relief also offers a free consultation, requiring at least $7,500 in unsecured debt to qualify, and builds a personalized plan aimed at negotiating your debts down significantly. Freedom focuses more on transparency and ongoing support, while National leans into securing better discounts to help you pay off your debt faster.
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Costs, Benefits, and Final Thoughts
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When it comes to pricing, both services charge fees ranging between 15%–25% of your total enrolled debt, and only after a successful settlement is reached. Freedom Debt Relief stands out with its money-back guarantee and additional legal resources, offering peace of mind throughout the journey. National Debt Relief excels in aggressive negotiation strategies and being upfront about risks like potential short-term credit impacts. Freedom operates in 38 states, while National is active in 42, giving slightly broader coverage. Either choice can be a smart move if you’re serious about regaining financial freedom — check the links below if you’re ready to start your journey today!
Hope you enjoyed my How Does Debt Consolidation Work | Everything Explained Thoroughly Video.
Best Debt Consolidation Loans: Explore top lenders, rates, and repayment options to find the best debt consolidation loan for your financial needs.
???? Get Freedom Debt Relief ? https://bit.ly/3KD4gFD
???? Get National Debt Relief ? https://bit.ly/46SSGxP
???? Get Accredited Debt Relief ? https://bit.ly/48bGwCo
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Timestamp Sections:
00:00 Intro
00:48 Debt Consolidation vs Debt Reliefs
02:20 Freedom Debt Relief-About
02:50 Freedom Debt Relief-How It Works
03:06 Freedom Debt Relief-Benefit
03:46 National Debt Relief-About
03:58 National Debt Relief-How It Works
04:28 National Debt Relief-Fees
05:15 Accredited Debt Relief-About
05:42 Accredited Debt Relief-How It Works
06:28 Similarities
06:57 Differences
07:42 Things to Consider
08:44 Outro
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Overcoming Debt with Smart Solutions
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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.
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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 Loans | Guide to Simplifying All Your Debt Video.
Questions that I get often asked are – What is a debt consolidation loan? Do you think balance transfer cards are a good idea? Will I save money on interest with either option?
So let’s talk about balance transfer cards v. debt consolidation loans – if any are right for you and what to look out for in order to save money with either option.
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Are you confused about the difference between debt consolidation loans and personal loans? Wondering which option is better for your financial situation?
National Debt Relief’s Financial Wellness Board Member Marc Russell will help you understand:
? The key differences between debt consolidation and personal loans
? Pros and cons of debt consolidation loans
? Pros and cons of personal loans
? Which option might be best for your situation
? How to make the right choice for your financial future
???? Learn more about debt consolidation: https://www.nationaldebtrelief.com/resources/debt-consolidation-relief/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
And personal loans:
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National Debt Relief’s award-winning approach to debt relief helps people on their path to becoming debt-free as quickly and inexpensively as possible. Our Whole Human Finance approach to debt relief focuses on the “whole human” realities of debt and its impact, and supports our clients behaviorally, emotionally and psychologically during their debt relief journey.
National Debt Relief is rated A+ with the Better Business Bureau and has been ranked #1 in debt settlement by Forbes Advisor for two consecutive years. We’ve helped over half a million people resolve their debt, reclaim their independence and get their life back on track. We work with most major creditors and banks to reduce our clients’ debt, and we can help with most unsecured debt, like credit card debt, medical debt, personal loans, private student loans, collections, small business debt, and more.
For anyone with at least $7,500 in debt and feeling overwhelmed by it, call us for a free, no-obligation consultation to see how we can help. You can learn more about debt relief, managing expenses and more on our blog at https://www.nationaldebtrelief.com/blog/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
We’re one of the top-rated and best debt relief companies in the United States.
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To learn more, visit us at https://www.nationaldebtrelief.com/howitworks/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
or call 800-485-0769
To apply for debt relief, please visit us at https://www.nationaldebtrelief.com/apply/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
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Show notes
[1] – https://www.nationaldebtrelief.com/blog/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
Debt consolidation sounds smart — one easy payment, lower interest, less stress. But here’s the truth: it doesn’t get you out of debt… it keeps you in it. In this episode, I expose why 88% of people who consolidate their debt end up right back where they started. You’ll learn the real reason debt consolidation fails — and how to create a powerful G.O.O.D (Get Out Of Debt) Plan that actually works.
You’ll discover:
– Why consolidation gives false confidence
– The psychology of “debt relief” and how it traps you
– How to use discomfort as your greatest motivator
– The proven 4-step G.O.O.D Plan to get debt-free for good
If you’re serious about breaking free from the cycle of debt, this episode will give you the clarity, mindset, and plan to do it.
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Explore our top picks for the best debt consolidation loans. Compare lenders, rates, and options to save money and pay off debt faster.
Want to lower interest payments and get out of debt faster?
?? Soft credit check only (no impact to your score)
?? Compare up to 40 loan offers with one application
?? Find the right personal loan or debt consolidation loan for you
???? Apply today and take the first step toward debt freedom!
https://theyukonproject.com/product-comparison/compare-personal-loans/?swcfpc=1
Website: https://theyukonproject.com
Pay Off Credit Card Debt Faster | Our Free Payoff Calculator
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00:00 – Benefits of consolidating your debt
00:45 – Best for Fair Credit
01:16 – Best for Approval Options
01:42 – Best for Securing the Loan
02:11 – Best Bank Consolidation Loan
02:49 – Best for Good Credit
03:20 – Best for High Debt
03:52 – Best for Consolidation Options
04:23 – Honorable Mention
04:55 – A secret about consolidating your debt
05:15 – Join our effort to save Americans $100 million a month
06:03 – Like and subscribe
Our Picks for Best Debt Consolidation Loans
Consolidating debt can be one of the smartest financial moves you make—if done correctly. By rolling multiple high-interest debts like credit cards, medical bills, or personal loans into a single loan with a lower interest rate, you can save money, simplify payments, and pay off debt faster. While it may feel like “trading one debt for another,” the key benefits are securing a lower APR, choosing a manageable repayment term, and staying disciplined with your payoff strategy.
Not all lenders are equal, and not every debt consolidation company delivers on its promises. We’ve researched nearly 100 lenders to find the best consolidation loan providers across different borrower needs.
Best Debt Consolidation Loan Providers
Best for Fair Credit: LendingClub
LendingClub is a trusted name in the personal loan industry. With APRs starting as low as 7.04%, they may approve borrowers with credit scores as low as 600. Lending amounts start at $1,000, making them ideal for tackling smaller credit card balances before they spiral out of control.
Best for Approval Options: Achieve
Achieve is a strong choice for borrowers with less-than-perfect credit. They focus on loans above $5,000 and provide flexible approval tools, such as adding a co-borrower or using home equity as collateral. These options can significantly improve your chances of approval.
Best for Secured Options: Best Egg
Best Egg offers APRs from 6.99% to 35.99% with loans between $2,000 and $50,000. Unique to Best Egg, you can secure a loan with fixtures in your home rather than the home itself, offering a balance between unsecured and fully secured lending.
Best Bank Option: Citi
Unlike many banks, Citi will pay creditors directly, ensuring your consolidation is seamless. With no origination, late, or NSF fees and APRs from 7.99% to 19.49%, they’re one of the most competitive bank lenders. Expect to need a credit score above 670 for approval.
Best for Good Credit: Happy Money
Happy Money partners with credit unions to offer their “Payoff Loan,” designed specifically for credit card debt. With APRs ranging 7.85% to 29.99% and loan amounts from $5,000 to $40,000, they provide strong offers to borrowers with Good to Excellent credit.
Best for Large Balances: SoFi
If you’re consolidating a heavy debt load, SoFi is an excellent pick. They lend from $5,000 to $100,000 and provide multiple repayment options, often with no origination fees. For maximum savings, choose the shortest loan term you can comfortably afford.
Best for Flexible Consolidation: Discover
Known for credit cards, Discover also offers personal loans and a 0% balance transfer APR for 15 months. If you aggressively pay off your debt during the promotional window, this option can save you thousands in interest.
Honorable Mention: Upgrade
Upgrade lends from $1,000 to $50,000 with APRs between 8.49% and 35.99%. They accept credit scores as low as 620 and offer secured loan options, making them a flexible choice for average borrowers.
The Secret to Smart Debt Consolidation
Debt consolidation is only worth it if you secure a lower interest rate, a shorter repayment term, or both. Otherwise, you’re just shuffling debt around.
At The Yukon Project, our mission is to help Americans save $100 million a month on loan interest. Our marketplace makes comparison easy: apply once, and we’ll check rates with up to 40 lenders using a soft credit check—meaning no impact on your score. You’ll see approved offers side by side so you can pick the best fit.
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Attorney Katie Larson explains why debt consolidation might not be the best solution. Bankruptcy can protect assets and stop creditor harassment, unlike debt consolidation, which often leads to lawsuits and higher fees. #bankruptcy #debtconsolidation #lawyer #finance #debthelps
Attorney Katie Larsen 256-970-4217
“No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.”
