Then see what the monthly payment would be with a consolidated loan.

Try adjusting the terms, loan types or rate until a consolidation plan fits your needs - and most importantly your budget!

You can get your free annual credit report from each of the three major credit reporting agencies — Trans Union, Equifax and Experian.

And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.

The chief disadvantage of a Manulife One account are extra costs that are imposed in two ways.

First, the Manulife One account charges interest at what the bank calls a “Base Rate”.

The following five tips can help you figure out which credit card consolidation strategy suits you best.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.

We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances.

Debt consolidation is a strategy to roll multiple old debts into a single new one.

Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.