How to consolidate debt without a loan
Home equity loans or balance transfer cards may be a better way to consolidate debt.
7 min read
Jun 10, 2025
Erin Lowry
Expert Reviewer, Personal Finance
EXPERTISE
- Credit cards
- Debt management
- Personal finance
- Retirement
- Wealth
- Budgeting
Bankrate's Expert Contributors
Our Expert Contributors are a select group of creators, experts and thought leaders who share first-person perspectives on finance and its intersections with our lives.
Meet our expertsAbout Erin
Erin Lowry is the author of the four-part Broke Millennial series, including: Broke Millennial, Broke Millennial Takes On Investing, Broke Millennial Talks Money and Broke Millennial Workbook: Take Control and Get Your Financial Life Together. Erin’s been featured in The New York Times, Wall Street Journal, and on GMA3, ABC News, CBS Sunday Morning, CNBC and The Rachael Ray Show. She has written for The New York Times, USA Today, and other major publications.
Erin's latest articles
-
-
Here’s how to repair your credit — and maintain it, too
Employ the tactics outlined in this credit repair guide and get your score back on track.
6 min read Jun 09, 2025 -
How to borrow money: 9 ways to get the cash you need
You can save money if you borrow money wisely.
6 min read Jun 09, 2025 -
Can a bank seize funds from my checking account for my credit card payment?
Find out if your bank can take funds from your checking account to pay off your credit card.
4 min read Jun 04, 2025 -
Should you pay off your car loan early? Or is it smarter to wait?
It could be smart to pay off your loan entirely or make larger payments.
7 min read Jun 04, 2025 -
Can you buy stocks with a credit card — and should you?
The risks of buying stocks with a credit card often outweigh rewards, but there are other ways to invest using your card.
4 min read Jun 04, 2025 -
What’s a good APR for a credit card?
Find out what a good APR is for a credit card and how a good credit score can help you qualify for better APRs.
11 min read May 29, 2025 -
Line of credit vs. credit card: What’s the difference?
While these two credit products are similar, there are key differences.
9 min read May 28, 2025