{"id":42591,"date":"2025-08-08T15:39:52","date_gmt":"2025-08-08T15:39:52","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/cant-afford-to-consolidate-your-debt-this-august-5-alternatives-to-consider\/"},"modified":"2025-08-08T15:39:52","modified_gmt":"2025-08-08T15:39:52","slug":"cant-afford-to-consolidate-your-debt-this-august-5-alternatives-to-consider","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/cant-afford-to-consolidate-your-debt-this-august-5-alternatives-to-consider\/","title":{"rendered":"Can&#8217;t afford to consolidate your debt this August? 5 alternatives to consider"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/08\/08\/d2fa2ad0-8234-47da-a29f-37bb501308ff\/thumbnail\/620x413\/4713cbce42643b2f03329627de4b2ecc\/gettyimages-2199611094.jpg#\" alt=\"Golden letter plate of a black front door full of colorful letters labelled with the word DEBT. Illustration of the concept of financial loans, overdue payments and bankruptcy \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/08\/08\/d2fa2ad0-8234-47da-a29f-37bb501308ff\/thumbnail\/620x413\/4713cbce42643b2f03329627de4b2ecc\/gettyimages-2199611094.jpg 1x, https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/08\/08\/d2fa2ad0-8234-47da-a29f-37bb501308ff\/thumbnail\/1240x826\/749150a993bd1f0fbbd4ce4dac5f677d\/gettyimages-2199611094.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Debt consolidation is just one strategy you can use to get rid of your growing debt issues this August.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>Debt consolidation can be a tempting solution when it feels like your credit card bills and loans are taking over your financial life. After all, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/debt-consolidation-what-is-how-does-it-work\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">consolidating debts into one manageable payment<\/a><\/span> can cut down on interest charges and make it easier to pay back what&#8217;s owed. For some people, though, taking out a consolidation loan is still too much to handle financially. All it takes is a high interest rate, a lack of available credit or simply not being able to afford the loan fees for debt consolidation to be out of reach.<\/p>\n<p>And that&#8217;s especially true right now, at a time when interest rates remain elevated and many are feeling the pinch of <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cpi-report-june-2025-inflation-trump-tariffs\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">rising costs due to persistent inflation<\/a><\/span>. These and the other economic pressures that are looming can make it tough to find room in the budget for a monthly debt consolidation loan payment on top of your other obligations. But if you find yourself unable to afford debt consolidation this August, the good news is that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/important-debt-relief-options-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">it&#8217;s not your only option<\/a><\/span> for getting rid of debt. There are alternatives to help you better manage your debt and offer you a clear path toward financial freedom.\u00a0<\/p>\n<p>So, what can you do if consolidating your debt is off the table? Below, we&#8217;ll look at ways to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/low-income-debt-relief-options-you-can-qualify-for\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">take control of your finances<\/a><\/span> without breaking the bank.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcant-afford-to-consolidate-debt-alternatives-to-consider-august-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Find out how to get started on a path to debt relief today<\/a>.<\/p>\n<h2><strong>5 debt consolidation alternatives to consider this August<\/strong><\/h2>\n<p>If debt consolidation is unaffordable for you right now, there are practical alternatives that might be a better fit for your current financial situation:<\/p>\n<h3><strong>Work with your creditors on a solution<\/strong><\/h3>\n<p>If you&#8217;re struggling to meet your debt obligations, it&#8217;s worth contacting your creditors and explaining your situation. You may find that your creditors are willing to work with you, especially if they believe you&#8217;ll continue making regular payments. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/credit-card-hardship-programs-what-to-know-about-this-debt-relief-option\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">By taking this approach<\/a><\/span>, you might be able to:<\/p>\n<ul>\n<li>Lower your interest rate<\/li>\n<li>Extend your repayment period<\/li>\n<li>Request a payment deferral<\/li>\n<\/ul>\n<p>While <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-negotiate-with-your-credit-card-company\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">negotiating with creditors<\/a><\/span> can be time-consuming, it can significantly help reduce the burden of your monthly payments. Just be sure to get any agreements in writing and keep records of your communication with them to ensure you&#8217;re covered if a dispute arises.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcant-afford-to-consolidate-debt-alternatives-to-consider-august-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Learn how the right debt relief company can help you now<\/a>.<\/p>\n<h3><strong>Try to settle your debts for less than you owe<\/strong><\/h3>\n<p>Debt settlement, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-credit-card-debt-forgiveness\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">also known as debt forgiveness<\/a><\/span>, is an option for those who are unable to afford their full debt repayment but want to avoid bankruptcy. With debt settlement, you typically work with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/best-debt-relief-companies-plus-advice-borrowers-need-to-know-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">a debt relief company<\/a><\/span> to negotiate a lump-sum payment in return for reducing the total amount owed, which can save you hefty amounts of money.<\/p>\n<p>Be cautious when exploring this route, though. Debt settlement can reduce your balance <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-the-lowest-amount-debt-collectors-will-settle-for-what-experts-say\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">by an average of 30% to 50%<\/a><\/span>, but it will usually require you to stop paying your creditors and accumulate savings in an escrow account to pay creditors instead. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/does-credit-card-debt-forgiveness-hurt-your-credit-score\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">This can lead to credit score damage<\/a><\/span>, but it can also lead to significant savings if managed properly.<\/p>\n<h3><strong>Transfer your balances to wipe out interest charges<\/strong><\/h3>\n<p>If you have a relatively good credit score but cannot afford consolidation through a loan, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/balance-transfer-credit-cards-save-money\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">a balance transfer credit card<\/a><\/span> might be a suitable alternative. Many credit card companies offer promotions where you can transfer your existing high-rate debt to a new card with a lower or 0% introductory APR for a set period (usually between 12 and 21 months).<\/p>\n<p>This could give you the breathing room you need to pay down your debt <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-can-i-avoid-paying-interest-on-my-credit-card\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">without incurring more interest charges<\/a><\/span>. However, it&#8217;s important to note that balance transfers often come with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/2-times-a-balance-transfer-fee-is-worth-it-and-2-times-its-not\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">fees of between 3% and 5%<\/a><\/span> on average, and the 0% interest rate is temporary. If you don&#8217;t pay off the balance before the introductory period ends, you&#8217;ll be hit with a high rate on any remaining balance.\u00a0<\/p>\n<h3><strong>Consider a personal loan with a lower rate<\/strong><\/h3>\n<p>If you&#8217;re unable to consolidate your debt through traditional methods, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/when-you-should-and-shouldnt-take-out-a-personal-loan-to-pay-off-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">a personal loan with a lower interest rate<\/a><\/span> than your credit cards could be another viable alternative, especially if you have a good credit score and can get a lower fixed interest rate. These loans can still be used to consolidate your debt, and they may offer more repayment flexibility. However, be mindful of the fees and do the math to determine whether the monthly payment is sustainable for your current financial situation.<\/p>\n<h3><strong>Work with a credit counseling agency on debt management<\/strong><\/h3>\n<p>If debt consolidation isn&#8217;t an option, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-credit-counseling-can-and-cant-do-to-help-with-your-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">a credit counseling agency<\/a><\/span> can help you develop\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-debt-management-program\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">a debt management plan<\/a><\/span>, where they negotiate with creditors on your behalf to lower interest rates and create a fixed monthly payment schedule. Credit counseling agencies typically <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-does-a-debt-relief-program-cost\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">charge a fee for these services<\/a><\/span>, but the cost is often much lower than the alternatives. And, most agencies provide free educational resources and budgeting tools to help you avoid falling into debt again in the future.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>If you can&#8217;t afford to consolidate your debt this August, there are several other strategies worth considering. From negotiating directly with creditors to exploring debt settlement or seeking help from credit counselors, the alternatives can still help you regain control of your finances \u2014 and they can do so without the upfront costs of debt consolidation. The best solution depends on your financial situation, though, so be sure to carefully evaluate your options thoroughly before making a decision.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/angelica-leicht\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Angelica  Leicht<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing roles at The Simple Dollar, Interest, HousingWire and other financial publications.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/cant-afford-to-consolidate-debt-alternatives-to-consider-august-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debt consolidation is just one strategy you can use to get rid of your growing debt issues this August. Getty<\/p>\n","protected":false},"author":1,"featured_media":42592,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-42591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can&#039;t afford to consolidate your debt this August? 5 alternatives to consider - World News<\/title>\n<meta name=\"description\" content=\"Struggling to consolidate your debt in today&amp;#039;s high-rate environment? 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