Your Ultimate Guide To Debt Consolidation -

Watch out for "origination fees" on loans or "balance transfer fees" (usually 3-5%) on cards.

These use your home as collateral. They often have the lowest rates but carry the risk of losing your home if you default. Pros and Cons The Good: Your Ultimate Guide to Debt Consolidation

If you clear your credit cards but don't stop spending, you could end up with a loan and new credit card balances. Watch out for "origination fees" on loans or