Features
The late Rabbi Zalman Schachter’s time in Winnipeg recalled at lively evening hosted by Jewish Heritage Centre
(This article originally appeared in the Dec. 21, 2016 issue of The Jewish Post & News) By BERNIE BELLAN
It was billed as an evening that would be devoted to “Rabbi Zalman Schachter and the Winnipeg origins of the Jewish Renewal Movement”.
Like just about everything else associated with the late Rabbi Schachter (who died in 2014 at the age of 90), it was an evening not without controversy.
The Jewish Heritage Centre promoted the program, which was held Monday, Dec. 12, in the Multipurpose Room of the Asper Campus, as part of “its synagogue series connected with the Synagogues Exhibit at the Asper Campus.”
With the ever-clever Prof. Dan Stone serving as host, the audience of over 100 was treated to a series of reminiscences about Rabbi Schachter’s 19 years spent in Winnipeg (from 1956-75) – a time that paralleled the advent of the “New Age” movement, also a time during which the use of hallucinogenic drugs became highly popular among young people.
The evening featured three main speakers: Rabbi Alan Green, who was given his “smichah” by Rabbi Schachter; Prof. Justin Jaron Lewis, an expert on Hasidism and the organizer of an interview project centering around Rabbi Schachter’s time in Winnipeg; and Alexandra Granke, a graduate student at the University of Manitoba in the Department of Religion, whose Masters thesis dealt with the influence Winnipeg’s Jewish community had on Rabbi Schachter’s thinking.
There was also a contribution from Murray (Moish) Goldenberg, who was a protégé of Rabbi Schachter’s. Goldenberg read a poem devoted to the late rabbi’s memory.
Following the speakers’ presentations, Dan Stone invited anyone in the audience who wanted to tell of their own experience with Rabbi Schachter to speak up. One by one individuals told stories about how Rabbi Schachter touched their lives.
Lest anyone reading this think that the evening was nothing more than a love-in for Rabbi Schachter, however, there were some negative notes struck as well. Although he was undoubtedly a man of great charisma, Zalman Schachter had his detractors. Two themes mentioned several times, both by the featured speakers and audience members, coursed through recollections of his time spent in Winnipeg: his faithlessness when it came to his relationships with women, and his overt championing of drug use.
Following is an account of some of what was said:
Rabbi Green who, Dan Stone told the audience, will be leaving Winnipeg in 2018 to move to Fairfield, Iowa – the centre of transcendental meditation, described first meeting Rabbi Schachter in Los Angeles in the 1970s.
In time, Green became a devout follower of Rabbi Schachter’s, culminating in his receiving his smichah from Rabbi Schachter in Philadelphia, where he found the rabbi “surrounded by a bunch of old hippies” – some of whom “were leaders of the New Left in the 1960s.”
“My first class with him,” Rabbi Green said, “was kind of a Sinai movement for me. It literally took my breath away.”
Rabbi Schachter had a multitude of interests, including “Jewish mysticism, humanism, and modern psychology” among others, noted Rabbi Green. As well, “he was fluent in many languages.”
What impressed Rabbi Green quite deeply, he said, was how Rabbi Schachter “brought together Judaism and Indian mysticism”.
“How often we let fear get in the way of Jewish mysticism,” Rabbi Green said Rabbi Schachter once told him.
Turning to the subject of the Jewish Renewal Movement and Rabbi Schachter’s central role in that movement, Rabbi Green observed that “there are now hundreds of Jewish Renewal rabbis – most of them ordained by Rabbi Schachter.”
It was in Winnipeg, Rabbi Green noted, that Rabbi Schachter “created the first rainbow talit”. It was also here that “the interface between psychedelic drugs and spiritual practice” first took root among Rabbi Schachter and his many followers.
Rabbi Green commented, however, “that I always found this phase of Rabbi Schachter’s life to be somewhat embarrassing”.
Following Rabbi Green’s presentation, Justin Jaron Lewis took the podium to offer some observations about Rabbi Schachter’s time in Winnipeg. Lewis noted that Rabbi Schachter’s own autobiography has relatively little to say about the time he spent here, even though it was a fairly lengthy period. As well, the Wikipedia article about the rabbi barely mentions his time spent in Winnipeg, Lewis also observed.
It was partly because of that vacuum, Lewis explained that, at the behest of his colleague in the Judaic Studies program at the University of Manitoba, Ben Baader, Lewis embarked upon the creation of an oral history project devoted to gathering “memories of Rabbi Schachter during his Winnipeg years.”
With contributions from 28 different individuals, all of whom whose lives were touched by Rabbi Schachter at some point during his time spent in Winnipeg – as the director of Hillel, as the representative of the Lubavitcher Rebbe, as a Professor of Religion, and in the many other roles he played, interviews were gathered. Those interviews now reside in a collection put together at the University of Colorado in Boulder (where Rabbi Schachter spent the final years of his life).
(If you would like to listen to any of those interviews simply Google “Winnipeg Jewish renewal”. According to Lewis, however, some of those interviews are not entirely positive in the impressions some interviewees had of Rabbi Schachter.)
The fact that Winnipeg seems to have been almost deliberately obscured in any writing, either by Rabbi Schachter himself or others writing about him, is somewhat of a puzzle for Lewis. After all, he observed, it was here that Rabbi Schachter “began the chaotic and colourful phase of Judaism that became so important in his later years.”
Perhaps it was the shroud of controversy that surrounded him while he was here that led to Rabbi Schachter’s downplaying the time he spent here but, as Lewis suggested, “over time the world has forgiven him even though he left Winnipeg under a cloud”.
It was left to Alexandra Granke to fill in some of the blanks that others have found when it comes to knowing more about the time Rabbi Schacter spent here.
As Granke explained, she was “the first person to have listened to all 28 interviews about Rabbi Schachter” that Winnipeggers gave. (By the way, if you have something you’d like to tell about Rabbi Schachter, you can still get in touch with Justin Jaron Lewis, who said he would love to hear from anyone else who might have something to contribute to the oral history project. He can be reached at Justin_Lewis@umanitoba.ca .)
In analyzing Rabbi Schachter’s often controversial stay in Winnipeg, Granke observed that “there was an air of inevitability about Rabbi Schachter’s break with the Lubavitch movement.”
Granke referred to an interview given by Abe Anhang, who talked about Rabbi Schachter’s use of LSD as the reason for his departure from the Chabad movement.
“His use of LSD runs through many of the other interviews,” Granke noted. Yet, she was “surprised by the relative nonchalance of many of the interviewees” toward Rabbi Schachter’s prolific drug use.
In fact, one interviewee mentioned how she was first introduced to “weed, mescaline, and cocaine” by Rabbi Schachter.
Rather than simply dwell on this aspect of Rabbi Schachter’s life though, Granke observed that many interviewees spoke of how he “opened up his group of followers to a different understanding of Judaism.”
“Doing drugs for him was not something fun,’ Granke noted. Rather, “for him it was about a way to reach a higher level of spirituality.”
Turning to yet another oft-criticized component of his life, Granke did refer to Rabbi Schachter’s having “fathered ten children with a variety of women.”
Yet, despite his somewhat notorious reputation, Granke suggested that others “were willing to overlook his lapses in moral judgment because he was so accepting of others.”
Although Reb Zalman, as he came to be known affectionately by his devoted followers, may have “been the opposite of what was expected of rabbis in Winnipeg,” his “dedication to people” is what seems to have been the mark that he left most often upon others.
“Reb Zalman always had time for others,” was a common refrain through the interviews, Granke said.
As one interviewee suggested, Rabbi Schachter’s form of spirituality, which he formulated while he was in Winnipeg, was “Buddhist chakra meeting Jewish sphirot”.
“He was a Jewish practitioner in a universal soul,” said one interviewee.
Granke referred to the interview given by Len Udow, who suggested that the pain of Rabbi Schachter’s wartime experience (when he fled first from Vichy France, then to Belgium, where he was “one step ahead of the Gestapo”) dissipated during moments in which he was engaged in prayer. “It was as if all the pain of the war was dispelled by the sudden connection with his many ancestors.”
Murray Goldenberg mentioned Rabbi Schachter’s having taught him the blessing for marijuana: “shehakol neheyeh b’dvaro” (who brings about everything by his word).
Yet, as I noted earlier, not everyone was so rosy-hued in their memories of Rabbi Schachter. David Wilder suggested that “the reason he (Rabbi Schachter) doesn’t mention Winnipeg in his writings is because of his situation with his family. His kids didn’t speak to him,” Wilder said (because of their father’s having left their mother to take up with the daughter of a well-known Winnipeg radio announcer).
Justin Jaron Lewis did say though, that “the kids reconciled with him at the end.”
As audience members after audience member spoke up to recall their own experience of Rabbi Schachter, it was easy to understand the enormous impact that this man had on so many Winnipeggers. As Jerry Cohen said, “There was no greater influence on my life Jewishly than Reb Zalman. He was a great influence to many of us in those early years in Winnipeg.”
#1 Mr. — Ernest Seinfeld 2017-07-09 11:15
This is the first time I am reading about this rabbi. I also read an article about him today in the Jerusalem Post and made the following comment:
“I remember Rabbi Schaechter as a fellow student in Vienna at the Sperlgymnasium (high school, the same Sigmund Freud atttended) in 1937.
In Austria classes in one’s religion were mandatory.
He kept trying to upstage our religion teacher by frequent interrupting him with “Raschi said”.
The rest of the students who had no idea of the teaching of Raschi and hardly were even aware of this great Talmud scholar, after a while gave him the nickname ‘Raschi’. The teacher obviously did not enjoy these interruptions but remained quiet and polite.
Ernest Seinfeld
es893columbia.edu”
I attended three years with him in the same classes. He sat always in the first row and tried to ‘shine’. He craved for attention, a trait his fellow students did not exactly find appealing.
In our January 18, 2017 issue we also printed this letter from members of Rabbi Schachter’s family, in response to the original article:
Response to article on Reb Zalman Schachter
We are the widow and children of Reb Zalman Schachhter-Shalomi, z”l. We want to recognize the initiative of the Jewish Heritage Center in convening a public forum honoring our father and Winnipeg origins of the Jewish Renewal Movement. While none of us live in Winnipeg any longer, we treasure the time that the family had in Winnipeg and are sorry that we were unable to be present for this forum. Had we been present, we would have contributed to this retrospective in the following ways.
- The article “The late Rabbi Zalman Schachter’s Time in Winnipeg Recalled at Lively Evening Hosted by Jewish Heritage Centre” misstated the tone of his family situation. Our father was wholehearted in his relationship with his wives and children. His marriage breakdowns were certainly not caused by lapses in moral judgment. Divorce almost always is difficult for the marital partners and children. In the case of Reb Zalman and Feigle, the decision to end their marriage was understandable as, much earlier, they recognized that their relationship was unsustainable. They had drifted apart as a result of the differences in their spiritual visions and only intentionally stayed together until their youngest child reached her Bat Mitzvah so that she would have the capacity to deal with family breakdown. None of the children harbor any resentment to children from other mothers. It is a testament to Reb Zalman’s love for his children, and our love for him, the that we are all in touch with one another to share each other’s joy and provide support in times of need.
- There is an element of physical harshness in the name Schachter, which has its origins in Shochet (slaughterer). Reb Zalman was someone who was deeply concerned with the increase in violent conflict in the world. He adopted a typical Jewish response to his concerns by adding a name that would bring to our consciousness the need to pursue peace, Shalom. For many years now, he has been known and called Rabbi Zalman Schachter-Shalomi.
- The relatively limited material in the University of Colorado archives on Jewish Renewal on Reb Zalman’s time in Winnipeg is not based in any way on any deliberate action on his part or because of an alleged cloud causing him to leave the city. Reb Zalman moved to Philadelphia because it had a larger Jewish community and was closer to other large Jewish centers in North America. Reb Zalman had begun providing rabbinic training in Winnipeg, but few students were willing to come to Winnipeg to study. The move to the east coast enabled many more students to access his training and become rabbis. As for the gap in current literature concerning Reb Zalman’s time in Winnipeg, we applaud Professor Lewis’s initiative in collecting oral histories to be added to the archive at the University of Colorado. Regarding the claim that Reb Zalman ignored Winnipeg in his autobiography, it should be noted that 97 pages of the 186 page “My life in Jewish Renewal,” (aside from the Appendices), are devoted to years living in Winnipeg. It is crucial to note, however, that much that happened during this period took place during his numerous travels outside Winnipeg.
We are aware that some of his views and activities were challenged by some elements of the Winnipeg Jewish community. Reb Zalman, as we all are, was human. However, for those who focused their comments at the forum on his imperfections, we wonder what standard they were holding him to. On the first Shabbat of the secular year We read Parshat Va’yigash. The story of our ancestor Ya’acov is drawing to a close. Yes, Ya’acov had issues with his wives, with his children, and with neighbors in the broader community. Those flaws, however, are not the major part of his remembrance. We remember him as a Jewish ancestor whose legacy was that all Jews now are known under Ya’acov’s second name, Yisrae. We are all B’nai Yisrael.
We, his widow, his daughters and sons, his grandchildren and great-grandchildren, all feel that we have been blessed by being the spouse and offspring of one of the 21 century’s greatest rabbis. Each of us, in our own way, is seeking to continue the contribution to society that he has made. May our actions and the actions of Winnipeg Jewry give our father’s neshama an aliyah!
Blessings,The Widow and all the children of Rabbi Schachter-Shalomi
Eve, Miriam, Rabbi Shalom, Josef, Yale, Chana Tina, Jonathan, Lisa, Shalvi, Rabbi Shlomo Barya, Yotam & Rossi
Features
Basketball: How has Israel become one of the best basketball countries in Europe in the last few years?
When Israeli Deni Avdija became the first Israeli to be drafted as the highest Israeli draftee in NBA history in 2020 – then emerged as a key NBA wing in Portland, it was not so much the breakthrough it appeared to be, but a portent of things to come. Israeli basketball development has been decades in the making, and in recent years its clubs have made Europe take notice.
This is why Maccabi Tel Aviv, Hapoel Tel Aviv, and the national basketball team of Israel are now the subjects of serious discussion in European basketball. It is only natural that fans and bettors reading form, depth of the roster, and momentum would look at our Euroleague predictions and then evaluate how Israeli teams would fit into the continental picture.
A rich history: The Maccabi Tel Aviv mythos
The contemporary narrative dates back to before Avdija. Maccabi Tel Aviv won its maiden European Cup in 1977, beating Mobilgirgi Varese and providing a nation under pressure with a sporting icon. Tal Brody’s declaration: “We are on the map” became not just a quote, it became a declaration of Jewish confidence, Israeli strength and a basketball dream.
Maccabi turned out to be the team of the nation since it bore Israeli identity past the borders. Maccabi has been a cultural ambassador before globalization transformed elite lists into multinational conundrums. Its yellow jerseys were the symbol of excellence, rebellion, and identification for the Israeli people at home and Jewish communities abroad.
The six European championships for the club provided a benchmark that has influenced the Winner League and Israeli basketball. Children were not just spectators of Maccabi, they dreamed of Europe as something accessible. Coaches studied in the continental competition. Sponsors and broadcasters realized that basketball had the potential to be the most exportable Israel team sport.
The modern pillars of Israeli basketball’s success
The recent ascendancy of Israel is no magic. It is the result of history, astute recruiting, youth-building and pressure-tested league culture. The nation has made its size its strength: clubs find talent at a young age and enhance the potential with foreign professionals.
Nurturing homegrown talent: The Deni Avdija effect
The most obvious example is that of Avdija. He was a high-ranking contributor in the system of Maccabi Tel Aviv, was chosen as a teenager, and was picked number 9 by Washington in the 2020 NBA Draft. His career was a reminder that an Israeli prospect could be more than a local star; he could be a lottery pick with two-way NBA potential.
Israeli NBA player Omri Casspi had already opened that door, and Avdija opened it even further for the next generation. Their achievements captivated the expectations of youthful players in Tel Aviv, Jerusalem, Holon, Herzliya, etc. An Israeli teenager is now able to envision a path from youth leagues to the Winner League, the EuroLeague, and ultimately – NBA minutes.
It is that dream that has been followed by investment. Israeli clubs put more emphasis on skills training, strength training, and analytics, as well as international youth tournaments. The success of the national program in the face of the best of Europe has also helped.
A global approach: The role of international and naturalized stars
The other pillar of the Israeli basketball program is the openness of Israel to global talent. The Winner League has been an important destination, not a stopover, for American guards and forwards. Most come in with NCAA or G league experience and become leaders due to the fact that the league requires scoring, speed and tactical flexibility.
It is enriched with naturalized players and Jewish players, who are able to use the Law of Return to come to Israel to play. Inspired by legendary players like Tal Brody, current imports who can bond both professionally and personally with Israelis have provided teams with uncharacteristic diversity in their rosters. The outcome has been a mixture of Israeli competitiveness, American shot making, Balkan toughness, and European spacing.
Making waves in Europe: Israel’s modern Euroleague footprint
Even in challenging seasons, Maccabi Tel Aviv has remained the flagship team. Currently, Maccabi is out of a playoff spot in the EuroLeague, but Hapoel Tel Aviv has shot up in playoff discussion. That juxtaposition speaks volumes: Israel is no longer represented by one lone, iconic club. Its profile has expanded.
Nevertheless, it is true that the reputation of Maccabi in the EuroLeague does count. Menora Mivtachim Arena in Tel Aviv is one of the most intimidating arenas for EuroLeague teams to play in: loud and emotional. Recent security and travel realities have affected the usual home-court advantage but the name of the club is still a potent brand.
It is the reason why there is an interesting betting discussion within Israeli teams. The name Maccabi still retains a historical impact, but analysts also need to quantify the present defensive performance, injuries, substitution of venues and guards, and fatigue in the schedule. The emergence of Hapoel has provided another Israeli point of reference and markets have to regard the nation as a multi-club force.
What’s next? The future of Israeli basketball on the world stage
Sustainability is the second test. The Israeli national basketball team desires more serious EuroBasket performances and a future world cup. It requires Avdija types – fit and powerful, more domestic big men, and guards capable of playing elite defense to get there.
The pipeline is an optimistic one. Israeli schools are more professional, teams are bolder with young talents, and the Winner League is a test ground where potential talents have to contend with older, tougher imports each week. Not all players will turn into an Avdija, yet additional players ought to be prepared to participate in EuroCup, EuroLeague, and even NBA games.
To the Jews in the Canadian diaspora, the impact is not only sporting, it is also emotional. Israeli basketball brings pride, drama and a common language to the continents. To the European fan, it provides tempo, creativity and unpredictability. To analysts, it provides a sign that a small nation, with memory, ambition and adaptation, can rise to become a true basketball power. Israel has ceased to be the unexpected guest on the table of Europe. It is a part of it, season after season.
Features
In recent years, we have been looking for something more than a house in Israel – we have been looking for a home
For many Jewish families in the diaspora, Israel has always been more than a destination. It is the land of tefillah, memory, family history and belonging. But in recent years, many families have begun asking a practical question too: should Israel also become a place where we have a home?
Not necessarily immediate aliyah. Sometimes it begins with a future option, something good to have just in case, or simply roots with a stronger connection to Eretz Yisroel.
But what does it mean?
A Jewish home is shaped not only by what is inside the front door, but by what surrounds it: neighbours, synagogues, schools, parks, local services, safe streets and the rhythm of Jewish life. For observant families, these are not small details. They are the things that turn a house into a place of belonging.
This is not a new idea. It is a need that has helped shape Jewish communities in Israel before. The Savyonim idea is rooted in the story of Savyon, the Israeli community established in the 1950s by South African Jews who wanted to create a green, safe and community-minded environment in Israel. It was a diaspora dream translated into life in the Jewish homeland.
That idea feels relevant again today. Many Jewish families abroad are now making plans around where they can feel connected in the years ahead.
Recent figures point in the same direction. Reports based on Israel’s Ministry of Finance data showed that foreign residents bought around 1,900 homes in Israel in 2024, about 50% more than the previous year, with Jerusalem emerging as the most popular place to buy. In January 2026, foreign residents still purchased 146 homes, broadly similar to January 2025, even as the wider housing market remained cautious.
For Lior David, International Sales & Marketing Manager at Africa Israel Residences, part of the continued interest may lie in the fact that today’s residential projects are increasingly built around the wider needs of Jewish families abroad: not only buying a property in Israel, but finding a setting that can support community, continuity and everyday Jewish life. That idea is reflected in Savyonim, the company’s residential concept, which places the surrounding environment at the heart of choosing a home.
This can be seen in Savyoney Givat Shmuel, where the surrounding environment includes synagogues, parks, educational institutions, local commerce, playgrounds and transport links, and in Savyoney Ramat Sharet in Jerusalem, located in one of the city’s established green neighbourhoods.
For families abroad, these things matter. Jerusalem and Givat Shmuel are never just another location. They are home to strong Jewish communities, established religious life and surroundings that allow a family to imagine not only buying property, but building a Jewish home in Israel.
Together, these projects reflect a broader understanding: that for many Jews in the diaspora, the decision to create a home in Israel is not only practical, but rooted in identity, continuity and community. The Savyonim story began with a Zionist community from abroad that succeeded in building a real home in Israel; today, that same vision continues in a contemporary form.
Features
When a Personal Loan Can Be a Smarter Option Than Carrying Credit Card Debt
A lot of people keep credit card debt longer than they planned because the monthly minimum looks manageable, but that is the trap. The payment feels small enough to live with, but much of it goes to interest when the balance is high. That means the debt can drag on for years, even if you keep paying on time.
A personal loan can be a smarter option when you already know the debt will not be gone quickly. Instead of carrying a revolving balance with a high rate and no firm payoff date, you move the debt into a fixed loan with regular payments and a clear endpoint. That does not solve every debt problem, but in the right situation, it can reduce interest costs and make repayment more realistic.
The Core Difference Between These Two Types of Debt
Credit cards are flexible, so you can borrow, repay, and borrow again without applying every time. That flexibility is useful for day-to-day spending, emergencies, and short-term borrowing. It becomes expensive when a large balance sits there month after month.
A personal loan is structured. You borrow one amount upfront, then repay it over a set term, often between one and five years. The payment usually stays the same each month. That structure matters because it forces steady progress.
When a Personal Loan Usually Makes More Sense
A personal loan tends to be the better choice when the debt is already turning into a medium-term problem rather than a short-term one. That often means you are no longer using the card for convenience. You are using it as borrowed money and paying a high price for that access.
It can be a smart move in cases like these:
- You are carrying a balance for several months and do not see a realistic way to clear it soon
- Your card interest rate is much higher than the loan rate you qualify for
- You have debt across two or three cards and want one payment instead of several
- You need a fixed monthly amount so you can build a proper budget
- You want a firm payoff date instead of open-ended repayment
The Biggest Practical Advantage Is Predictability
If your monthly budget is already tight, uncertainty makes everything harder. Credit card minimum payments can rise as rates change or balances grow. Multiple cards also mean multiple due dates, different limits, and a higher chance of missing one payment.
A personal loan can make life simpler. You know the payment amount, the term, and the month the debt should be gone. That makes it easier to plan around rent, groceries, utilities, childcare, and other fixed costs. For many households, that predictability is just as valuable as the interest savings.
When you are comparing offers, a reputable financial institution like, for example,Innovation Federal Credit Union can explain the full cost of borrowing, not just the headline rate. That matters because the real question is not whether the payment looks fine today. The real question is whether the loan will make your debt cheaper, easier to manage, and less likely to come back.
Where People Make Mistakes
Paying off a card with a loan helps only if the card balance stays low afterwards. If the card fills up again, you end up with both the loan and new revolving debt. That is usually worse than the original problem.
Another mistake is focusing only on the monthly payment. A longer loan term can make the payment feel easier, but it may also increase the total amount of interest paid over time. A smaller payment is not automatically a better deal.
Before signing anything, check these points carefully:
- The loan interest rate
- Any origination or administration fees
- The total amount you will repay over the full term
- Whether you can make extra payments without penalty
- Whether the monthly payment truly fits your budget
- What you will do with the credit cards after the balance is paid off
When a Personal Loan Is Not the Better Option
If your credit is weak, the loan rate may not be much better than your card rate. In that case, the savings may be too small to justify the switch. If fees are high, the benefit can shrink even more.
It also may not help if the real issue is cash flow. If your income is not covering regular monthly bills, replacing card debt with a loan does not solve the shortage. The payment may look neater, but the pressure remains. In that case, the better step may be a hard review of spending, extra income, or professional debt advice.
A credit card can still be a better tool when you can pay off purchases quickly and in full. Used that way, a card can be convenient and cost nothing in interest. The problem starts when short-term borrowing quietly becomes long-term debt.
How to Decide
Pull together the numbers for every card you carry. Write down the balance, the interest rate, the minimum payment, and how much you usually pay each month. Then compare that with the full cost of a personal loan offer.
Look at these questions:
- How much interest will I pay if I keep the debt on my cards
- How much interest and fees will I pay with the loan
- How long will each option take to clear
- Can I manage the loan payment even in a tight month
- Am I ready to stop using the paid-off cards for routine spending
If the loan gives you a lower total cost, a clear payoff schedule, and a payment you can genuinely handle, it may be the smarter move.
A Good Loan Strategy Includes a Behaviour Plan
If you use a personal loan to clear card balances, decide in advance what happens next. Some people keep one card open for emergencies and put the others away. Others lower their limits or remove saved card details from shopping apps. Small changes like that can prevent the old pattern from restarting.
Set up automatic payments if possible. Put the loan due date just after payday. Build even a small emergency fund alongside repayment so an unexpected car repair or vet bill does not go straight back on the card. Those steps may sound basic, but they often make the difference between lasting progress and another round of debt.
To Sum Up
A personal loan can be a smarter option than carrying credit card debt when the debt is already lingering, the loan rate is meaningfully lower, and the monthly payment fits your budget without strain. The real advantage is not only lower interest. It is structure, clarity, and a realistic path to being done with the debt.
That said, a loan works best when it is paired with changed habits. If the card balance returns after the transfer, the loan will not have solved much.