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cover of episode Why Debt Consolidation Is A Trap (And What To Do Instead)

Why Debt Consolidation Is A Trap (And What To Do Instead)

2025/2/14
logo of podcast George Kamel

George Kamel

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广播和播客主持,专注于财务教育和咨询。
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George: 我个人并不推荐债务合并,因为它通常会增加费用和利息,延长还款期限,实际上并没有减少你的债务负担。虽然债务合并可能听起来很诱人,但它并不是解决债务问题的根本方法。我认为,关注每月能负担多少钱是导致陷入债务困境的原因之一。我们应该首先考虑与债务合并相关的总成本,而不是仅仅关注每月的还款额。如果使用房屋净值信贷额度(HELOC),未能按时付款可能会失去房屋,这绝对是我不愿承担的风险。与其考虑各种类型的债务合并,不如寻找替代方案。我认为最佳的替代方案是按照余额从小到大的顺序列出你的债务,然后集中火力偿还最小的债务,一旦还清,将原来偿还这笔债务的钱用于偿还下一个最小的债务,以此类推。这种方法可以激励你彻底还清债务,而不是仅仅转移债务。当然,在特定情况下,债务合并可能是有意义的,例如联邦学生贷款,但即使这样,也需要仔细权衡利率、还款期限等因素。总之,我认为你需要努力改变习惯,彻底还清债务,而不是依赖债务合并这种权宜之计。

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📈 Are you on track with the Baby Steps? Get a free personalized plan). 

Consolidation is great when organizing a drawer of tangled wires, but not so much with debt. In this episode, get the deets on debt consolidation, plus the key to avoid it completely. 

Next Steps: 

 

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