Debt Consolidation

So, if you are thinking that you are in too deep, debt consolidation may be an option. Outside of filing for bankruptcy, you can look into consolidating your debt.

Don't kid yourself, this will not be painless. No matter what you are told, your credit power will suffer tremendously! 

Using Copilot, I found that these are five of the top-rated debt consolidation companies in 2025, based on factors like interest rates, loan terms, customer service, and funding speed:

🏆 Top 5 Debt Consolidation Companies

Company

APR Range

Loan Amount

Term Length

Notable Features

SoFi

8.99%–25.81%

$5,000–$100,000

36–84 months

Same-day funding, rate discounts, no minimum credit score

PenFed Credit Union

8.99%–17.99%

$600–$50,000

Up to 60 months

No origination fees, quick funding, joint loans

Best Egg

8.99%–35.99%

$2,000–$50,000

36–60 months

Offers secured loans, direct payment to creditors

Navy Federal CU

8.99%–18.00%

$250–$50,000

Up to 60 months

Same-day funding, military membership required

LendingClub

8.98%–35.99%

$1,000–$40,000

24–60 months

Low credit score requirement, joint loans available

💡 Tips for Choosing the Right Company

  • Check your credit score: Higher scores unlock better rates.

  • Compare APRs and fees: Some companies charge origination fees up to 8%.

  • Look for direct payment options: This simplifies the payoff process.

  • Consider membership requirements: Credit unions may require joining.

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