How to consolidate debt without hurting your credit
Learn how to minimize negative changes to your credit score when consolidating debt.
6 min read
Mar 25, 2025
Michelle Clardie
EXPERTISE
- Debt management
- Investment
- Credit repair
Michelle Clardie is a seasoned investor who’s been writing professionally about saving and investing since 2017. She used the investment advice she covered to quit her day job in property tax consulting and move abroad, writing her way from one country to the next.
With a Master's in Business Management and Strategy from WGU, Michelle specializes in making complex personal finance topics easy to understand. You may have seen Michelle’s work on:
- Websites for notable financial institutions like PNC Bank and Omaha Mutual,
- Informational websites like coverage.com, interest.com, and mortgage.com,
- And financial blogs like Get Rich Slowly and Wallet Hacks.
Michelle's latest articles
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How to negotiate student loan debt settlement
Negotiating your student loan debt settlement is hard but not impossible.
7 min read Mar 24, 2025 -
Best debt relief options for credit card debt
Have credit card debt you need relief for? Here are your debt relief options.
6 min read Feb 28, 2025 -
Coping with debt when you’re laid off
If you’re worried about how job loss might affect your debt, here’s what you need to know.
6 min read Feb 21, 2025 -
How the national debt affects personal debt
The national debt can affect your finances indirectly.
6 min read Feb 19, 2025 -
Consumer debt by gender: Is there a difference?
Gender plays a key role in how much debt an individual has.
6 min read Feb 14, 2025 -
How to negotiate a debt settlement
You can negotiate with your creditors to settle your debt by paying a lump-sum amount that’s less than what you owe. Here’s how.
8 min read Feb 12, 2025 -
Secured vs. unsecured debt: What’s the difference?
Knowing the difference will help you decide which types of loans work best for you.
6 min read Feb 03, 2025