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Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.

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Options to consolidate your credit card and other debts include a balance transfer credit card, an unsecured personal loan, a home equity loan or line of credit and a 401(k) loan.

The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.

consolidate 1510s, "to compact into one body," from L. stem of consolidare, from con- "together" solidare "to make solid" (see consolidation). I was the one they were going to hang, to consolidate the bond with the old island.

It needs a war, not a threat of war, to consolidate Austria and Hungary.

Finally we reached our last objective and commenced to consolidate.

In a score of other ways Kara had endeavoured to consolidate the friendship.To consolidate is to combine assets, liabilities and other financial items of two or more entities into one.In the context of financial accounting, the term consolidate often refers to the consolidation of financial statements, where all subsidiaries report under the umbrella of a parent company.In consolidated accounting, the information from a parent company and its subsidiaries is treated as though it comes from a single entity.The cumulative assets from the business, as well as any revenue or expenses, are recorded on the balance sheet of the parent company.Parent companies that hold more than 20% qualify to use consolidated accounting.

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