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Sovereign Bank
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Consolidate That Debt
Consolidate Your Student Loans
Protect Your Identity

Managing Credit
Managing Credit
The editors of SmartMoney® demonstrate how consolidating your debt can save you money—leaving you more for life's extras. Plus, how to keep your credit score accurate.

Calculators
Get the numbers you need to make a smart decision with our Calculators.
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Consolidate That Debt
Consolidating high-interest, nondeductible debt into a HELOC or a home equity loan works well for many homeowners. The editors of SmartMoney show you what you need to consider in this quick tutorial.
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Consolidate Your Student Loans
Federal Consolidation Loans can ease the pain of student debt with fixed interest rates and lower monthly payments. SmartMoney offers a quick tutorial on debt consolidation.
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Protect Your Identity
Though you're protected against many fraudulent charges, identity thieves can wreak havoc on even an exceptional credit rating. SmartMoney shows you how to restore your good name.
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Calculators
How large a line of credit can I obtain?
Should I consolidate my debts?
Should I use a home equity loan instead of an auto loan?
How much will my loan payments be?
What will my tax savings be?†
What will it take to pay off my line of credit?
† Check with your tax advisor regarding tax deductibility.
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