Has anyone used credit card refinancing or cc loan consolidation? I have some credit card balance that I need to pay off so exploring what the best options are

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0% balance transfer offers are dime a dozen. I recommend Chase Slate for a one time use.

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I did it many years ago- best strategy is to call the credit card companies directly and negotiate with them. Down side- they will cancel your card, impacts your credit score ( in the short term) . I was back up over 800 in about 6 years. Paid off all debt, built solid credit and a bank balance. Debt consolidation companies are a scam- you can do better on your own

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In order to settle on the amount owed. You will be surprised how much they will knock off, if they feel you may default and not pay at all. Of course it drains your credit score and you get taxed on the amount they forgo

Look into Upstart. They take into account education, employment and other non credit score things when calculating your interest rate. I did it and got a 5.8% fixed

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Lending club

Thanks everyone for the suggestions!

I used Lending Club and was able to pay off the debt faster as it was a fixed lower rate unlike my credit cards with different rates (ranged from 13-22%).

SoFi

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