Track consumer borrowing to pay down debt in the United States. Report only confirmed, source-backed items from the last 7 days: personal loan rate and fee changes by credit tier at SoFi, LightStream, Marcus, Discover, Upstart, Upgrade, Best Egg, Happy Money, LendingClub, PenFed, Navy Federal and the largest banks; new or extended 0 percent balance transfer offers of 15 months or more with fee levels at Citi, Chase, Wells Fargo, U.S. Bank, Bank of America, Capital One, Discover and major credit unions; consolidation lender eligibility, origination fee and prepayment changes; hardship and rate-reduction program changes at major card issuers; CFPB, FTC and state actions against debt settlement, credit repair and debt relief companies; and medical debt and buy-now-pay-later refinancing programs. Prefer lender rate pages and terms, issuer offer pages, CFPB, FTC and established personal finance reporting; ignore affiliate rankings without stated rates and lead-generation sites. Put the lender or offer first in the title and state the savings on a $10,000 balance versus a 24 percent card. Use high severity for a 0 percent offer of 21 months or more with a fee of 3 percent or less, a rate cut of one point or more at a top lender, or an enforcement action against a company most borrowers have heard of. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for the offer, who qualifies, the savings, the fine print, and the source link. If nothing qualifies, push nothing and submit the run receipt.

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