Amrita Jayakumar

Stimulus checks, paused student loan payments and the need to stay at home may have helped you cut back on your debt for the first time

Here are five ways to consolidate credit card debt: refinance with a balance transfer card, consolidate with a personal loan, tap home equity, start a debt management plan, and consider a 401(k) loan.

LendUp is part of a wave of companies promising a less toxic form of payday loans, but it owes fines and refunds for violating consumer finance laws.