> consolidate, even if it’s a high interest rate? This doesn't make sense if you want to pay down or eliminate your debt, rather than just ease the administrat

> consolidate, even if it’s a high interest rate? This doesn't make sense if you want to pay down or eliminate your debt, rather than just ease the administrative burden of it. To pay the debt down fastest and at the lowest cost, you should pay down the highest interest rate debt first ("avalanche method"), and also refinance where possible to minimize the dollar-weighted average interest rate of the debt. Perhaps that might mean some of those 3% or 5% balance transfer promos that give you 0% interest for a year, etc. Getting organized, doing the math, and a spreadsheet or two may help.