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      The Debt Management Process vs. Debt Consolidation: What is Better?

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      Debt Management vs. debt consolidation: which is better?
      The debt management process and the consolidation are two ways to get debt relief. Which option is the best for you depends on your specific circumstances.
      Written by Sean Pyles Senior Writer | Personal finance and debt Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet’s “Smart Money” podcast. On “Smart Money” Sean talks with Nerds on NerdWallet’s NerdWallet Content team to answer the questions of listeners about their personal finances. With a particular focus on sensible and practical advice on money, Sean provides real-world guidance that will help consumers improve in their finances. In addition to answering listeners’ financial questions on “Smart Money,” Sean also interviews guests who are not part of NerdWallet and produces special segments to explore topics like the racial wealth gap as well as how to get started investing and the history for student loans.
      Before Sean was the host of podcasting for NerdWallet the company, he also wrote about topics that dealt with consumer debt. His work has appeared throughout the media including USA Today, The New York Times as well as other publications. When Sean isn’t writing about personal finance, Sean can be found digging around his garden, going for runs and walking his dog for long walks. He is based in Ocean Shores, Washington.

      Aug 5, 2021

      Editor: Kathy Hinson Lead Assigning Editor Personal financial, credit scoring, financial management and debt Kathy Hinson leads the core personal finance team at NerdWallet. Previously, she spent 18 years working at The Oregonian in Portland in roles including copy desk chief and team director of design and editing. Prior experience includes editing copy and news for many Southern California newspapers, including the Los Angeles Times. She earned a bachelor’s degree in journalism and mass communications from Iowa’s University of Iowa.

      The majority or all of the items featured on this page are from our partners who pay us. This influences which products we feature and the location and manner in which the product is featured on the page. However, this does not affect our assessments. Our opinions are our own. Here is a list of and .

      Debt management and consolidation can both combine several balances to create the benefit of a lower interest rate. This could help you get more quickly and save you money.
      The approach that’s best you will depend on the type and amount of debt you have.
      It’s time to cut your debt
      Join the link to sign up and keep track of everything from credit mortgages to cards all all in one location.

      Debt management
      It is a way to combine several credit card debts into one single monthly payment and a slashed interest rate.
      The repayment plan usually lasts between three and five years and you typically can’t open new lines of credit or make use of credit cards during this time. The plans mostly address credit card debt, not student loans, medical bills or personal loans.
      The reasons why you should pick this option:
      The majority of your credit card debt
      There is more than what you can reasonably consolidate
      Your credit score won’t be able to get you for the debt consolidation service you’re looking for, like a account for balance transfers, or
      You’d like to have the external discipline that the plan enforces to prevent you from adding to your balances

      Find a way to begin with a debt management plan. The majority of agencies offer plans on the internet or by phone.
      Consolidation of debt
      The combination of several debts creates one single debt and, in the ideal case, with a lower interest. There are several ways to achieve this, including the personal loan or balance transfer credit card 401(k) loan or home-equity loan.
      You’ll need good or excellent credit to qualify for lowest interest rates on personal loan or balance transfer credit card.
      Why you would pick it:
      You could qualify for an interest rate lower than you’re paying now, which saves you money and can help you eliminate debt more quickly
      You’d like to reduce the amount of payments you’re making
      You can maintain access to credit while you work to pay down debt

      Author bios: Sean Pyles is the executive producer and host on the NerdWallet’s Smart Money podcast. His writing has been featured in The New York Times, USA Today and elsewhere.

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