SoFi
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homeowner emergencies
Due to various homeowner emergencies, we had astronomical credit card debt that we needed to pay down with a lower interest rate. SoFi was recommended in a Reddit post and we went with it. It was super easy and convenient and there are multiple ways to decrease your interest rate, including having the money go straight to the credit cards (as we did) as well as setting up auto pay. Excellent experience and will definitely use them again if needed!