How to approach debt consolidation when your credit score is low

https://acornmetric.com/s/fyBeC9ZqgRJyQWaaq1bzT

When your credit score is low, debt consolidation requires a realistic approach. Start by listing all debts and their interest rates, then explore options like secured loans using collateral or credit union debt management programs, which often have flexible terms. Focus on creating a strict budget to avoid falling back into debt. Consider a nonprofit credit counselor who can negotiate lower payments or interest on your behalf—they won't check your score first. Every step you take to consolidat…