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Promotional interest rates expire — like 12 months of a 0% APR on a balance transfer card — so make sure you can repay your debt within that time frame, otherwise you may not be saving any money at all.

The same goes for debt consolidation loans: Ask about any loan origination fees, and make sure the loan payment amount is something that easily fits into your budget.

Some strategies will be more affordable than others, and your credit card consolidation choices may be limited by your credit standing.

Personal loans charge simple interest (as opposed to credit cards, which often have variable rates and sometimes have different rates for balance transfers and purchases on the same card) and they typically have loan terms of three to five years.

It’s also a good idea to stay clear of websites and lenders that charge you big upfront fees for a debt consolidation loan.

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