Debt is haunting.

What’s even scarier is how easy it is to fall into the cycle of owing money that you spent, but don’t actually have.

You promise you’ll pay yourself back on payday, but we all know that’s a slippery slope.

However you ended up in this place, you’re here. But you’re not alone.

Last year, American credit card debt hit a record high — more than a trillion dollars, according to CNBC.

That’s a lot of zeros, debt, overspending, and on my end… shopping trips.

So, the looming question: How do you get out of this hole?

Paying Down Credit Card Debt Is Actually Possible

It’s so possible, in fact, that you can take the first step in as little as three minutes.

No, seriously.

Instead of spending hours scouring the internet for answers, check out Fiona, a search engine for financial services that can help match you with the right personal loan to meet your needs.

Fiona searches the top online lenders to match you with a personalized debt-consolidation loan offer in less than 60 seconds. Its platform can help you borrow up to $100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

Consolidating debt saves you from being stuck with multiple high-interest credit card payments that make it difficult for you to permanently cut ties with your debt.

With the lower interest rate you typically get from personal loans, you can pay off all your balances, then just focus on making one, easy payment to the lender.

To start, you’ll need a minimum credit score of 580, and their interest rates range from 4.99% to 35.99%.

Whatever you decide, know that checking rates on Fiona won’t hurt your credit score, so you’ve got nothing to lose… except maybe interest.

Farrah Daniel is an editorial assistant at The Penny Hoarder. After having dealt with it once, she is terrified of debt and won’t use more than 10% of her credit card.

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