{"id":72123,"date":"2026-03-25T15:53:42","date_gmt":"2026-03-25T15:53:42","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/how-much-can-you-save-with-debt-consolidation-in-2026\/"},"modified":"2026-03-25T15:53:42","modified_gmt":"2026-03-25T15:53:42","slug":"how-much-can-you-save-with-debt-consolidation-in-2026","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/how-much-can-you-save-with-debt-consolidation-in-2026\/","title":{"rendered":"How much can you save with debt consolidation in 2026?"},"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:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2026\/03\/25\/4a0a7f0b-aa47-4f50-9f82-1f59ed551439\/thumbnail\/620x414\/a044f1f4854abae69ec92ef179477173\/gettyimages-2158441020.jpg#\" alt=\"Calculator and credit cards with debt \" height=\"414\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2026\/03\/25\/4a0a7f0b-aa47-4f50-9f82-1f59ed551439\/thumbnail\/620x414\/a044f1f4854abae69ec92ef179477173\/gettyimages-2158441020.jpg 1x, https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2026\/03\/25\/4a0a7f0b-aa47-4f50-9f82-1f59ed551439\/thumbnail\/1240x828\/c36333c8b66a9c41b30e8fb093c0cf76\/gettyimages-2158441020.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Consolidating your high-rate debt could save you a substantial amount of money this year.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Peter Dazeley\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>If you&#8217;ve ever carried a revolving balance on your credit card, you may know from experience that the math is designed to work against you. While the balance on your credit card statement stays front and center, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-are-credit-card-interest-charges-compounded\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">the interest quietly compounds<\/a><\/span> in the background. At today&#8217;s <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-credit-card-rates-are-so-high-now-what-to-do-about-it\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">average credit card rate<\/a><\/span> of about 21%, that can result in paying thousands of dollars in interest on even a modest balance. And, not all cardholders are carrying modest balances. Millions of borrowers are sitting on five-figure card balances, and the gap between what they owe and what they&#8217;ll ultimately pay grows wider with every billing cycle.<\/p>\n<p>In these cases, <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=\"\">debt consolidation<\/a><\/span>, which allows you to roll your high-rate balances into a lower-rate personal loan, can be one of the most useful tools to employ. Right now, <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/average-personal-loan-rates\/\" target=\"_blank\" rel=\"noopener\">personal loan rates<\/a> are averaging about 12%, which means that the rates on these loans are about 9% lower than the average credit card APR. That may not sound significant, but when stretched across tens of thousands of dollars and several years of repayment, it translates into money that can either stay in your pocket or disappear into a lender&#8217;s coffers.<\/p>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/should-you-consolidate-credit-card-debt-march-2026-what-to-consider-first\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Whether debt consolidation makes sense<\/a><\/span> for your situation, though, depends on how much you stand to save. So how much can you actually save with debt consolidation if you take the plunge this year, and what options are available if consolidation isn&#8217;t the right fit? Those are the questions we&#8217;ll answer below.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fdebt-consolidation-savings-in-2026\" target=\"_blank\" rel=\"sponsored, noopener\">Learn how to get help with your high-rate credit card debt now<\/a>.<\/p>\n<h2><strong>How much can you save with debt consolidation in 2026?<\/strong><\/h2>\n<p>The potential savings from debt consolidation depend on your balance, repayment term, and most importantly, the difference between your current interest rate and your new one. To illustrate, let&#8217;s do the math on a credit card with a rate of 21% and a personal loan at 12%, repaid over 60 months.\u00a0<\/p>\n<p>One important caveat: The figures below assume you qualify for a competitive personal loan rate. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-good-credit-score-determining-factors\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Borrowers with lower credit scores<\/a><\/span> may be offered much higher rates, which could significantly reduce or potentially eliminate the savings.<\/p>\n<h3><strong>On $5,000 in credit card debt<\/strong><\/h3>\n<ul>\n<li><strong><strong>$5,000 credit card balance at 21% repaid over 60 months: <\/strong><\/strong>A monthly payment of about $135 and about $3,116 in total interest<\/li>\n<li><strong>$5,000 debt consolidation loan at 12% with a 60-month term:<\/strong> A monthly payment of about $111 and about $1,673 in total interest<\/li>\n<\/ul>\n<p>Carrying $5,000 on a credit card at 21% over five years costs roughly $3,116 in total interest, with a monthly payment of about $135. Consolidating that same balance into a 12% personal loan drops the interest to around $1,673, though, which equates to a total savings of more than $1,440. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-are-credit-card-minimum-payments-calculated\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Your monthly payment<\/a><\/span> also falls to roughly $111, freeing up about $24 per month.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fdebt-consolidation-savings-in-2026\" target=\"_blank\" rel=\"sponsored, noopener\">Learn more about the debt relief options available to you today<\/a>.<\/p>\n<h3><strong>On $10,000 in credit card debt<\/strong><\/h3>\n<ul>\n<li><strong><strong>$10,000 credit card balance at 21% repaid over 60 months: <\/strong><\/strong>A monthly payment of about $271 and about $6,232 in total interest<\/li>\n<li><strong>$10,000 debt consolidation loan at 12% with a 60-month term:<\/strong> A monthly payment of about $222 and about $3,347 in total interest<\/li>\n<\/ul>\n<p>At $10,000, the stakes roughly double. At 21%, you&#8217;d pay approximately $6,232 in interest over five years. If you&#8217;re consolidating into a loan at 12%, though, that figure falls to about $3,347 \u2014 a difference of nearly $2,900. The monthly payment also drops from around $271 to $222, a savings of close to $50 per month.<\/p>\n<h3><strong>On $25,000 in credit card debt<\/strong><\/h3>\n<ul>\n<li><strong><strong>$25,000 credit card balance at 21% repaid over 60 months: <\/strong><\/strong>A monthly payment of about $676 and about $15,580 in total interest<\/li>\n<li><strong>$25,000 debt consolidation loan at 12% with a 60-month term:<\/strong> A monthly payment of about $556 and about $8,367 in total interest<\/li>\n<\/ul>\n<p>This is where consolidation delivers its most significant impact. Paying off $25,000 in credit card debt at 21% over five years costs more than $15,580 in interest alone. Shift that same balance to a 12% personal loan, and interest costs drop to roughly $8,367 \u2014 a total savings of more than $7,200. The monthly payments also fall from approximately $676 to $556.<\/p>\n<h2><strong>What other strategies can you use for high-rate credit card debt?<\/strong><\/h2>\n<p>Debt consolidation isn&#8217;t the only path out of high-rate credit card debt. There are plenty of <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/important-debt-relief-options-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">other debt relief strategies<\/a><\/span> you can use to get rid of your expensive debt, so it may be worth discussing your options 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 expert<\/a><\/span> if you&#8217;re unsure about what path to take.<\/p>\n<p>One option is <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> offered through a credit counseling agency. With this approach, <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 counselor<\/a><\/span> works directly with your creditors to reduce your interest rate \u2014 sometimes to as low as 6% to 8% \u2014 and consolidate your payments into a single monthly amount. These plans take three to five years to complete (on average), but they don&#8217;t require good credit to qualify.<\/p>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/important-facts-to-know-about-debt-settlement-according-to-experts\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Debt settlement<\/a><\/span> is another option. This more aggressive strategy involves negotiating with creditors on a lump-sum settlement that&#8217;s less than the full amount owed. The remainder of <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-credit-card-debt-forgiveness\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">your balance is then forgiven<\/a><\/span>. This approach can result in significant debt reductions, but also has its credit and tax downsides to consider as well.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Debt consolidation can save you a substantial amount of money if you&#8217;re carrying high-rate credit card balances and can qualify for a lower-rate personal loan. The higher your balance and the bigger the rate differential, the more impactful the savings become. It&#8217;s not your only option, though. If a debt consolidation loan isn&#8217;t accessible given your credit profile, a debt relief expert or credit counselor can help you explore alternative routes toward reducing your high-rate debt.<\/p>\n<section class=\"content__body--footer\">\n<p class=\"content__meta--editors\">\n      Edited by<\/p>\n<p>                                  <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"byline__author__link\" data-invalid-url-rewritten-http=\"\">Matt  Richardson<\/a>\n                      <\/p>\n<\/section>\n<section class=\"content__body--footer\">\n      <!-- tags --><br \/>\n    <\/section>\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\/debt-consolidation-savings-in-2026\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Consolidating your high-rate debt could save you a substantial amount of money this year. Peter Dazeley\/Getty Images If you&#8217;ve ever<\/p>\n","protected":false},"author":1,"featured_media":72124,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-72123","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>How much can you save with debt consolidation in 2026? - World News<\/title>\n<meta name=\"description\" content=\"Debt consolidation can slash interest charges, but how much you actually save depends on your balance and rate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/how-much-can-you-save-with-debt-consolidation-in-2026\/\" 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