Krish didn't feel overwhelmed all at once. The pressure built slowly. A balance here, a balance there, each card serving a purpose at the time. Over the years, the cards became part of his routine, not something he questioned month to month.
What changed was that one day he realized how little progress he was making. Even with regular payments, the balances barely moved. Interest charges quietly did their work, and the sense of control he once felt started to slip.
Krish wanted a way to simplify things. Not to erase the past, but to replace several moving pieces with something clearer and more manageable.
As he explored his options, debt consolidation kept coming up. He spent time reading about different approaches and learning from other borrowers who had been in similar situations. One review in particular stood out.
"FIG provided me with the opportunity to rebuild my credit. I was able to pay off and consolidate my debt with the low interest rate."
DMDr. Maria Carmela DetubioVerified
That experience reflected what Krish was looking for. A way to move forward with structure, not shortcuts.
Replacing Multiple Payments With One Clear Plan
Krish applied for a Fig personal loan online. The process felt straightforward and transparent, with no in-person appointments and no uncertainty about the loan terms. Everything was laid out clearly before he committed.
Once approved, the funds were deposited directly into his account. Krish used the loan to pay off his credit card balances in full. Multiple due dates and interest rates were replaced with the support of a single fixed monthly payment.
Another borrower described a similar experience.
“I’ve had a great experience with Fig. Their service is excellent and has truly helped me take control of my finances. They offer great support for people looking to consolidate their debts,” -HappyMee
With his credit cards cleared, Krish felt a noticeable shift. His finances were no longer scattered across statements and deadlines. Everything was finally in one place.
Staying Focused Over 18 Months
Krish set a clear goal for himself. He was committed to fully repay his loan within 18 months. To do that, he adjusted his budget and focused on consistency. He cut back on unnecessary spending and made his payments on time every month.
The fixed interest rate helped him stay on track. Krish always knew exactly how much was going toward his loan and how much progress he was making. That predictability made a meaningful difference.
At the end of 18 months, Krish had fully paid off his Fig loan. Just as importantly, his credit score improved as a result of steady, on-time payments and lower credit utilization.
What Krish Learned Along the Way
Looking back, Krish says the biggest change was having a clear structure. Consolidating his debt gave him a defined timeline instead of an open-ended cycle of minimum payments.
He encourages others to take time to understand their full debt picture, choose repayment terms that fit their budget, and prioritize predictable payments. For him, that combination restored both control and confidence.
Takeaway
Paying off credit card debt can feel overwhelming when balances are spread across multiple accounts. For borrowers like Krish, consolidating that debt into one fixed payment created clarity and momentum.
With a plan, discipline, and the right structure, paying off debt is not just possible. It is achievable.
This content is general in nature and is provided for informational purposes only. Fig Financial Inc. is not a financial advisor and does not offer financial planning services. This content may contain references to products and services offered through Fig’s loan marketplace.
