It feels unfair, doesn’t it? You pay every month, but your balances hardly move—or worse, they creep up.

The truth is simple: minimum payments are designed for the lender, not for you. With APRs between 18–29%, most of your payment goes straight to interest, not principal. That’s why it feels like running on a treadmill—lots of effort, no progress.

Consolidation changes the math. Instead of spreading your energy across multiple cards (each charging compounding interest), you roll it into one structured payment with a clear payoff date. Suddenly, you’re paying down the balance—not just renting it.

If you’re tired of the creep, maybe it’s time to step off the treadmill and onto a path with real traction.