 TITLE: Should I Get a Balance Transfer Card or Debt Consolidation Loan? CONTENT: How to Decide Between a Balance Transfer or Debt Consolidation Loan\n-------------------------------------------------------------------\nIf you have debts with a medium to high interest rate (such as high single digits and above), balance transfer cards and debt consolidation loans could offer:\n*   A lower interest rate\n*   Lower monthly payments\n*   Fewer monthly bills\nBefore you proceed, go over the pros and cons that accompany balance transfer credit cards and debt consolidation loans. END