Debt optimization agencies are still relatively reliable. It has been very popular in foreign countries, mainly through the computer quantitative model financial technology to calculate the "best repayment plan" to control debt growth and reduce debt costs.

1. For friends who need to use funds irregularly, try to reduce non-revolving loans and adopt revolving credit loan products. 2. Long-term loans have replaced short-term loans. The shorter the loan period, the higher the repayment pressure. 3. For loans with equal principal and interest, the repayment amount in each installment is the same. However, due to the need to repay part of the principal in each installment, the utilization rate of funds decreases, especially in the scene where capital turnover is needed, the interest can be used more than before.