{"id":5398,"date":"2025-10-24T16:55:08","date_gmt":"2025-10-24T16:55:08","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=5398"},"modified":"2025-10-24T16:55:09","modified_gmt":"2025-10-24T16:55:09","slug":"debt-consolidation-when-its-worth-it-and-when-its-not","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/","title":{"rendered":"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not)"},"content":{"rendered":"\n<p>If you\u2019re stressed out and juggling multiple credit cards and loans then you\u2019ve probably thought about debt consolidation and wondered \u201cis it right for me?\u201d&nbsp;<\/p>\n\n\n\n<p>Millions of Americans turn to<strong> <\/strong>debt consolidation as a way to regain control and put a stop to the debt cycle. But with different consolidation options and alternatives available, it can be tough to know if it\u2019s the right move.<\/p>\n\n\n\n<p>Here is a quick overview of when you should and shouldn\u2019t consider consolidation for your debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Is Debt Consolidation?<\/h2>\n\n\n\n<p>Debt consolidation combines multiple debts into one manageable monthly payment that is typically more affordable for the borrower.&nbsp;<\/p>\n\n\n\n<p>From there debt consolidation options diverge and the structure and benefits vary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Debt Consolidation<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Consolidation Loans, Balance Transfer Card and Home Equity Options<\/h3>\n\n\n\n<p>These are traditional options that consolidate the debt by rolling it into a new loan or credit card with a more favorable interest rate or term. Qualifying for new terms can help you pay less overall, speed up repayment or lower your monthly payment.<\/p>\n\n\n\n<p><strong>Worth it when:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have a steady income<\/li>\n\n\n\n<li>Your monthly payments are already manageable but you want to save money<\/li>\n\n\n\n<li>You have excellent credit and need to maintain it<\/li>\n\n\n\n<li>You\u2019re likely to qualify for better terms<\/li>\n<\/ul>\n\n\n\n<p><strong>It\u2019s less ideal when <\/strong>you\u2019re experiencing a more severe financial hardship, you\u2019re already behind on monthly payments or have poor credit. With traditional debt consolidation, if you don\u2019t qualify for better terms it may not be the right option for you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other Debt Consolidation Options<\/h3>\n\n\n\n<p>Other consolidation options, especially those geared toward folks with financial hardships will also combine eligible debts into one manageable monthly payments, but have more options for fixed incomes and poor credit.&nbsp;<\/p>\n\n\n\n<p>You still need a predictable income to be successful, but your credit history won\u2019t block you from qualifying.&nbsp;<\/p>\n\n\n\n<p>Debt consolidation options can be a great fit for folks who are struggling and want to stop the never ending cycle of debt but simply don\u2019t qualify for more traditional methods.&nbsp;<\/p>\n\n\n\n<p><strong>Worth it when:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Getting out of debt is your top priority<\/li>\n\n\n\n<li>You have steady income<\/li>\n\n\n\n<li>You don\u2019t qualify for traditional consolidation options<\/li>\n<\/ul>\n\n\n\n<p><strong>It\u2019s less ideal when <\/strong>these financial scenarios apply \u2026&nbsp;<\/p>\n\n\n\n<p>If you have really good credit and a high income (relative to your debt) you\u2019d probably qualify for more traditional methods.&nbsp;<\/p>\n\n\n\n<p>If you have no income at all, you might need something more extreme like bankruptcy.<\/p>\n\n\n\n<p>If you need to leverage your credit score to take on additional debt like a mortgage \u2014 caution is advised. In this instance, you\u2019ll need to be honest with yourself about what you can afford. If you&#8217;re overwhelmed by debt does it make sense to take on more of it?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Alternatives to Debt Consolidation Options and Loans<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"http:\/\/accrediteddebtrelief.com\/refinancing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Refinancing<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/accrediteddebtrelief.com\/debt-counseling\/\" target=\"_blank\" rel=\"noreferrer noopener\">Debt Management Plans (DMPs)<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/accrediteddebtrelief.com\/bankruptcy-alternative\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bankruptcy<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Some Debt Solutions May Temporarily Affect Your Credit<\/h3>\n\n\n\n<p>Keep in mind, some options can temporarily impact your credit score. But over time, the real benefits \u2014 manageable payments, less debt and progress toward being debt-free \u2014 far outweigh the short-term impact.<\/p>\n\n\n\n<p>Once you regain control of your finances, rebuilding your credit can naturally follow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What\u2019s More Important: Getting Out of Debt or Taking on More Credit?<\/strong><\/h3>\n\n\n\n<p>Before stressing about your score, think about your main goal.<\/p>\n\n\n\n<p>If you\u2019re preparing for a big purchase like a mortgage, credit matters most. But if high-interest debt is weighing you down, tackling that first might be a more urgent priority.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ready to Make a Change for Your Debt?<\/h3>\n\n\n\n<p>A Debt Consolidation specialist can help you review your options and find the one that&#8217;s the best fit. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.beyondfinance.com\/free-evaluation\/\">Talk to us!<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re stressed out and juggling multiple credit cards and loans then you\u2019ve probably thought about debt consolidation and wondered \u201cis it right for me?\u201d&nbsp; Millions of Americans turn to debt consolidation as a way to regain control and put a stop to the debt cycle. But with different consolidation&#8230;<\/p>\n","protected":false},"author":6,"featured_media":5399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-5398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-things-debt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not) - Beyond Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not) - Beyond Finance\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re stressed out and juggling multiple credit cards and loans then you\u2019ve probably thought about debt consolidation and wondered \u201cis it right for me?\u201d&nbsp; Millions of Americans turn to debt consolidation as a way to regain control and put a stop to the debt cycle. But with different consolidation...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\" \/>\n<meta property=\"og:site_name\" content=\"Beyond Finance\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-24T16:55:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-24T16:55:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"863\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Anna Caldwell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anna Caldwell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\"},\"author\":{\"name\":\"Anna Caldwell\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256\"},\"headline\":\"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not)\",\"datePublished\":\"2025-10-24T16:55:08+00:00\",\"dateModified\":\"2025-10-24T16:55:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\"},\"wordCount\":633,\"publisher\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png\",\"articleSection\":[\"All Things Debt\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\",\"name\":\"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not) - Beyond Finance\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png\",\"datePublished\":\"2025-10-24T16:55:08+00:00\",\"dateModified\":\"2025-10-24T16:55:09+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png\",\"contentUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png\",\"width\":1536,\"height\":863},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.beyondfinance.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#website\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/\",\"name\":\"Beyond Finance\",\"description\":\"Moving Beyond Debt\",\"publisher\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.beyondfinance.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\",\"name\":\"Beyond Finance Blog\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png\",\"contentUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png\",\"width\":105,\"height\":27,\"caption\":\"Beyond Finance Blog\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256\",\"name\":\"Anna Caldwell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g\",\"caption\":\"Anna Caldwell\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not) - Beyond Finance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/","og_locale":"en_US","og_type":"article","og_title":"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not) - Beyond Finance","og_description":"If you\u2019re stressed out and juggling multiple credit cards and loans then you\u2019ve probably thought about debt consolidation and wondered \u201cis it right for me?\u201d&nbsp; Millions of Americans turn to debt consolidation as a way to regain control and put a stop to the debt cycle. But with different consolidation...","og_url":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/","og_site_name":"Beyond Finance","article_published_time":"2025-10-24T16:55:08+00:00","article_modified_time":"2025-10-24T16:55:09+00:00","og_image":[{"width":1536,"height":863,"url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png","type":"image\/png"}],"author":"Anna Caldwell","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Anna Caldwell","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#article","isPartOf":{"@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/"},"author":{"name":"Anna Caldwell","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256"},"headline":"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not)","datePublished":"2025-10-24T16:55:08+00:00","dateModified":"2025-10-24T16:55:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/"},"wordCount":633,"publisher":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage"},"thumbnailUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png","articleSection":["All Things Debt"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/","url":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/","name":"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not) - Beyond Finance","isPartOf":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage"},"thumbnailUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png","datePublished":"2025-10-24T16:55:08+00:00","dateModified":"2025-10-24T16:55:09+00:00","breadcrumb":{"@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#primaryimage","url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png","contentUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png","width":1536,"height":863},{"@type":"BreadcrumbList","@id":"https:\/\/www.beyondfinance.com\/blog\/debt-consolidation-when-its-worth-it-and-when-its-not\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.beyondfinance.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Debt Consolidation When It\u2019s Worth It (And When It\u2019s Not)"}]},{"@type":"WebSite","@id":"https:\/\/www.beyondfinance.com\/blog\/#website","url":"https:\/\/www.beyondfinance.com\/blog\/","name":"Beyond Finance","description":"Moving Beyond Debt","publisher":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.beyondfinance.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.beyondfinance.com\/blog\/#organization","name":"Beyond Finance Blog","url":"https:\/\/www.beyondfinance.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png","contentUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png","width":105,"height":27,"caption":"Beyond Finance Blog"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/005a43205b80afaeb9052301e7cc7256","name":"Anna Caldwell","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/41ff669dc39671814f7d15db3f2276fa7181c511c979ef0580bd047014448470?s=96&d=mm&r=g","caption":"Anna Caldwell"}}]}},"taxonomy_info":{"category":[{"value":14,"label":"All Things Debt"}]},"featured_image_src_large":["https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options-1024x575.png",1024,575,true],"author_info":{"display_name":"Anna Caldwell","author_link":"https:\/\/www.beyondfinance.com\/blog\/author\/acaldwell\/"},"comment_info":0,"category_info":[{"term_id":14,"name":"All Things Debt","slug":"all-things-debt","term_group":0,"term_taxonomy_id":14,"taxonomy":"category","description":"","parent":0,"count":21,"filter":"raw","cat_ID":14,"category_count":21,"category_description":"","cat_name":"All Things Debt","category_nicename":"all-things-debt","category_parent":0}],"tag_info":false,"jetpack_featured_media_url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2025\/10\/BF_Blog_Debt_Conolidation_Options.png","_links":{"self":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=5398"}],"version-history":[{"count":0,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts\/5398\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/media\/5399"}],"wp:attachment":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=5398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=5398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=5398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}