There best/fastest option is the option that is obtainable.
- If the client has their owns means to paying down utilization that is the fastest option
- If they do not have the means but they have a job that provides them with a paystub then we can look into personal debt consolidation loans
- If they cannot do either of those options then potentially looking into a co-signer or spouse may be more beneficial.
Each situation is dynamic which means it has to be assessed by what information is given from the client and what they can realistically do.
