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“Over time, your credit score could be helped because you’re eliminating a lot of debt that you’ve had trouble paying off, so it’s freeing up available credit and indicating that you’re becoming less and less burdened by the debt that you owe,” says Mc Clary.

While your credit score may take a small hit during the loan application process, reducing your debt burden and lowering your credit utilization ratio can do wonders for your score in the long term — especially if you’re able to accelerate your progress by paying more than the minimum payment whenever possible. Here are four financing options to make crossing the debt-free finish line a little easier.

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But if you transfer these balances onto a new credit card with a 0 percent APR and no balance transfer fee, and continue paying the same amount each month, you’ll pay 4 less and get out of debt in just te n months.There are multiple options for debt consolidation (more on this in a bit), but if you stick to a well-thought-out payoff plan, a new lower-interest loan is a viable way to pay off high-interest balances in one shot. For example, one common question about the tactic is, “Does debt consolidation hurt your credit score? “The degree to which they have a negative impact depends on how many inquiries you have over a specific period of time,” says Bruce Mc Clary, spokesperson for the National Foundation for Credit Counseling.“If you only apply for one loan and you get approved and you get that loan, that inquiry is going to have a very minor impact on your credit score; barely noticeable.” He adds: “But if you’re shopping around and you apply for a loan with four or five different lenders, those four or five different inquiries are going to show up in the process, and that could have a bigger negative impact on your credit report.” According to FICO, the main credit score company in the U.If your total debt payments equal more than 45 percent of your total income, lenders may be hesitant to give you a HEL.That said, home equity loans can be a fantastic consolidation tool.

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