Does debt consolidation work?

No, it doesn't work and we do not recommend it. 

🚫 Don’t Fall for Quick-Fix Debt Scams

Some companies claim they can wipe your debt or clean up your credit. Be careful.

• You’ll often end up paying about the same as you would on your own.

• Only errors or items older than seven years can be removed from your credit report.

• If a company says otherwise, they’re either lying or breaking the law.

💡 The truth: You can’t borrow your way out of debt.

Here’s what actually works:

• Change your habits.

• Commit to a written plan (a budget) and stick to it.

• Work your own Debt Snowball 

• Pick up extra work and throw that income at your debt.

• Live on less than you make.

Getting out of debt isn’t rocket science—it’s common sense and self-discipline.

📍 Need support?

• Connect with a Ramsey Preferred Coach in your area.