▲ SoFi vs Discover Personal Loans: APR Tier Analysis and Debt Consolidation RealitiesCarrying revolving unsecured debt past an inverted yield curve cycle is quiet balance sheet suicide. With credit card APRs hovering near historic highs above 22%, the interest drag eats directly into operational liquidity. Debt consolidation is often pitched as an effortless panacea by retail fintech platforms. ..