 TITLE: 7 Tips to Help You Recover From Holiday Spending CONTENT: 6\\. Consider a Debt Consolidation Loan\n--------------------------------------\nIf your holiday credit card bills seem insurmountable—or if they tipped an already large debt load over the top—a debt consolidation loan could help you save money on interest and give your repayment plan some structure. A debt consolidation loan is a type of personal loan, so you'll pay it back in regular installments over a set period of time. Debt consolidation loans typically feature lower interest rates than credit cards do, and they may even help your credit score by reducing your credit utilization rate. You can read up on whether a debt consolidation loan is right for you and find a list of loan options with Experian CreditMatch™. END