HOOK
Thinking about using a personal loan to pay off credit card debt? It can save money—but only if the numbers actually work. [Split screen: credit card balance vs. personal loan payoff calculator]
KEY POINT 1
Start with the APR, not the monthly payment. A personal loan usually has a fixed rate, while credit cards can keep charging interest on any balance you carry. [On-screen: APR comparison graphic]
KEY POINT 2
Next, check the loan term. A lower monthly payment can look attractive, but stretching debt over a longer term may mean paying more interest overall. [Calendar pages flipping beside dollar signs]
KEY POINT 3
Watch for fees. Some personal loans include origination fees, and those can reduce how much you actually receive. Compare the total cost of the loan—not just the advertised rate. [Calculator, fee line item highlighted]
KEY POINT 4
Use a personal loan only if you’re ready to stop adding new card debt. Otherwise, you could end up with both the loan payment and the credit card balance. [Person closing laptop, setting card aside]
CTA
Before you borrow, compare total repayment costs and monthly cash flow side by side. If you want, I can help you build a simple personal loan vs. credit card checklist next. [On-screen: “Compare before you borrow”]
