A 40-year mortgage lowers monthly payments by stretching repayment over a longer term, but it slows equity growth and increases total interest paid. Use a mortgage calculator and compare lender offers before choosing this option.
A personal installment loan gives you a lump sum repaid in fixed monthly payments. Used for debt consolidation, emergencies, or one-time purchases, these loans often offer predictable payments and may be unsecured - but they charge interest and fees, so compare offers before borrowing.
Debt consolidation reviews collect experiences and expert commentary on loans, balance transfers, DMPs, settlement, and bankruptcy. Use them to compare options, verify provider credentials, and plan next steps with nonprofit counselors or attorneys.