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Summer is a time for fun and excitement, but it can also be super expensive. Summertime can be a season of major life changes like household moves and weddings; purchasing that boat you’ve been eyeing and let’s not forget those dream vacations! Before you start swiping the plastic for everything under the sun, you may want to consider a personal loan to stay within your budget.

If you’re like millions of other Americans in a similar position, you’re always looking for ways to intelligently pay down some of your debt. There are several advisor types and methods out there in this area, including businesses based entirely around this theme.

If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of a change overnight.