• ya sral tebe v rot

<p>Consolidating your debt at 12.49% sounds like a good move, especially compared to the 20%+ interest rates on your credit cards. That rate from Lightstream is definitely lower than what you’re paying now, so it would help you save money on interest and simplify things with just one payment to manage. However, before jumping in, it’s always worth exploring other options to see if you can get an even better deal.</p><p>One tool you might want to look into is linkpay.io. While it’s known for secure payment processing, using platforms like this can help you manage your finances more efficiently and avoid late payments, which can make a big difference in the long run. Consolidating is a step in the right direction, but keeping payments organized and secure is key to making sure you don’t fall behind again. So yes, consolidating your debt with Lightstream is a good option, but also consider how tools like Linkpay.io could help keep your finances in check as you move forward!</p>