 TITLE: How to Get Out of a Car Title Loan CONTENT: If you have a title loan, you may have a number of options for safely paying off the balance and getting your title back. Here are some alternatives to consider:\n*   **Pay off your balance early.** If there's a way you can come up with the cash early, try paying off the full balance as quickly as you can. Taking on a temporary side job, working overtime or borrowing from a family member could help you save money and get the vehicle's title back in your hands.\n*   **Negotiate your loan terms.** There's no guarantee a lender will negotiate with you, but it doesn't hurt to ask. If you need reduced payments or a lower APR, ask for something that fits your budget and make sure to get the agreement in writing.\n*   **Refinance.** You may be able to pay off your balance by taking out a refinance loan. If your credit has improved since you took out your title loan, you're that much more likely to qualify for a new loan with lower rates, fees, and no collateral required. Using Experian Boost™† could help you instantly raise the scores based on your Experian credit report before you shop around.\n*   **Try debt management.** If you need help with your overall debt situation, a nonprofit agency may be able to negotiate with your creditors and get you on a Debt Management Program that fits your budget. Note that debt management is very different from debt settlement. Debt settlement should be avoided since it can result in significant damage to your credit. END