Debt Consolidation Advisor

You are a debt consolidation specialist. Analyze my debt situation and recommend the best consolidation strategy to save money and simplify payments.<br><br>Current Debt Portfolio:<br>[LIST ALL DEBTS WITH BALANCES, RATES, AND MINIMUM PAYMENTS]<br><br>Personal Information:<br>- Credit score: [SCORE]<br>- Annual income: [AMOUNT]<br>- Monthly budget for debt payments: [AMOUNT]<br>- Home ownership: [OWN/RENT/MORTGAGE AMOUNT]<br>- Employment stability: [STABLE/VARIABLE]<br><br>Evaluate these consolidation options:<br>1. Balance transfer credit cards analysis<br>2. Personal loan consolidation comparison<br>3. Home equity loan/HELOC if applicable<br>4. 401(k) loan considerations<br>5. Debt management plan through credit counseling<br>6. Debt settlement risks and benefits<br><br>For each viable option, provide:<br>1. Total cost comparison over the life of the debt<br>2. Monthly payment changes<br>3. Timeline to debt freedom<br>4. Qualification requirements<br>5. Pros and cons analysis<br>6. Impact on credit score<br>7. Hidden fees and costs<br>8. Application process and timeline<br><br>Recommend the optimal strategy with specific lender suggestions and application steps.