Day 48 of 90 · STRENGTHEN · Week 7: Create Your Debt Strategy
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Other Routes
Know the options that change the terms rather than the order.
About 6 minutes
Learn
Consolidation, balance transfers and refinancing change the rate or structure rather than the payoff order.
They can reduce cost, but they can also extend terms, carry fees, or free up credit that gets reused.
Hardship programmes and non-profit credit counselling exist for genuinely unmanageable debt.
Do
Note whether any of these routes are worth investigating in your situation.
Think About It
Is your debt a repayment problem, a rate problem, or an income problem?
Optional — no answer needed to continue
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