While credit card debt differs from the other loans mentioned in that it is a revolving form of credit, it can also be refinanced. One of the easiest ways to do so is to open a new balance transfer credit card. A balance transfer is a process of transferring high-interest debt from one or more credit cards to another card with a lower interest rate. There are balance transfer credit cards that allow a grace period (as an example, 12 months) of 0% interest on all balance transfers before they resume a usual interest rate (other types of 0% interest rate credit cards apply the 0% rate only to purchases, not balance transfers). Not everyone will qualify for 0% intro APR credit cards, but there are balance transfer credit cards without a 0% grace period that have lower interest rates, and people that cannot qualify for the former can try to qualify for the latter. The maximum amount of debt consolidated will depend on the new line of credit., Free calculator to plan the refinancing of loans by comparing existing and refinanced loans side by side, with options for cash out, mortgage points, and fees., This free refinance calculator can help you evaluate the benefits of refinancing to meet your financial goals, such as lowering monthly payments, changing the length of your loan, cancelling your mortgage insurance, updating your loan program or reducing your interest rate..