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Fortunately, applying online usually doesn’t take more than a few minutes.“Most people do not like to pull into a parking lot to go and stand in line to sign some papers,” said Bradford. The easier it is for customers to consolidate debt and refinance, the more likely they’ll be to take advantage of its benefits.

There’s also the savings argument, which becomes a no-brainer once you run the numbers.

End the vicious cycle of credit card debt, rather than transferring the balance to yet another credit card, which you might continue to charge up.

Armed with new information and a game plan, the next time the subject of money—specifically credit card debt—comes up, you’ll have plenty to talk about.

The average American household carrying a credit card balance has over ,000 in debt, but you sure wouldn’t know it.

People talk all day long about their workouts, favorite apps, and their love lives, but bring up the subject of money, especially credit card debt, and suddenly everyone clams up.“Money is the last taboo subject,” said So Fi Chief Operating Officer Joanne Bradford in a May episode of the Digiday podcast. They’re uncomfortable with talking about how much they make, how much they save, what they can do with it.”According to the American Psychological Association’s latest “Stress In America” report, money is the number one cause of stress—ahead of work, family, and health concerns.

Refinancing debt is also a smart strategy, especially for those in the post-grad plateau— the early stages of a promising career—with plenty of raises just around the corner.

Of course, everyone’s situation varies, but you can use So Fi’s personal loan payment calculator to do the math on your own personal loans.Secured loans are backed by an asset of the borrower’s, such as a house or a car, that works as collateral for the loan.More traditional, unsecured debt consolidation loans, which are not backed by assets, can be more difficult to obtain.And if you share this article with friends who want to cut up a few of their credit cards before the holiday shopping season begins, they’ll be able to join the conversation, too.Editor’s Note: This is an updated version of a post we originally published in June 2015.

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Need another reason to consolidate and refi credit card debt? Here’s how a So Fi personal loan can help you pay off your credit card debt and bolster your bottom line:1.

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