*Rates and APRs are subject to change. All information provided here is accurate as of March 31, 2026.
Insolvency Guardian
Insolvency Services & Bankruptcy Advice
*Rates and APRs are subject to change. All information provided here is accurate as of March 31, 2026.
Overview: Money chose LightStream as the best overall debt consolidation loan provider because of its competitive APRs, low fees and wide range of terms. Discover, PenFed, SoFi and Universal Credit are also named as top lenders.
Editor’s take: If you qualify for a favorable interest rate, make your loan payments on time and don’t accrue any more bad debt in the process, debt consolidation loans — which are unsecured personal loans — can be an effective way to pay off high-interest debt, particularly…