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Debt Settlement is the practice of negotiating your debt with your creditors to pay a lump sum amount that is normally lesser than the amount that you owe to pay off your debt.
Helps to lower your debt and avoid bankruptcy
Helps to keep creditors and collectors off your back
Can be risky and may potentially hurt your credit score
Might come out to be more expensive in the long run
Debt Consolidation is to combine multiple debts into one new loan so you can pay off all other debts.
Reduces the number of payments you need to make
Get a lower interest rate and monthly premium than all your debts combined
Lowered credit score but will eventually improve
Prolonged payment terms
A personal loan is to borrow funds from banks, credit unions, online lenders, friends, or relatives with an agreed-upon payment term and interest rate.
Helps you pay off your debts
A quick and fast solution to getting creditors and collectors off your back
Takes time to process
Has high-interest rates