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Three of five platforms named Happy Money during the ranking stage, and all five platforms that evaluated it for this use case rated it good or strong, with one mixed rating. The strongest reason to consider Happy Money is its purpose-built credit card consolidation loan that sends funds directly to card issuers, reducing the risk of misallocating proceeds. The main limitation is that the product appears restricted to credit card debt only, excluding medical bills, personal loans, student debt, and other…","target_buyer":"Borrowers who want a consolidation lender to send loan proceeds directly to eligible creditors instead of distributing all funds themselves","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Direct creditor payment availability","eligible creditor types","APR and total cost","origination fees","loan amounts","repayment terms","prequalification options"],"geography":"United States","slug":"best-debt-consolidation-loans-that-pay-creditors-directly","title":"Best Debt Consolidation Loans That Pay Creditors Directly","use_case":"Direct-to-Creditor Debt Consolidation"}}