{"id":544,"date":"2026-10-29T00:04:20","date_gmt":"2026-10-29T04:04:20","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=544"},"modified":"2026-10-29T00:04:20","modified_gmt":"2026-10-29T00:04:20","slug":"debt-management","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/debt-management\/","title":{"rendered":"Gestion de la dette"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"544\" class=\"elementor elementor-544\">\n\t\t\t\t<section class=\"elementor-element elementor-element-9f61eb3 e-con e-atomic-element e-flexbox-base e-default-section page-hero\" data-id=\"9f61eb3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9f61eb3\">\n    <div class=\"elementor-element elementor-element-b4fcac4 e-con e-atomic-element e-flexbox-base e-default-div page-hero-inner\" data-id=\"b4fcac4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b4fcac4\">\n    <div class=\"elementor-element elementor-element-18607da e-con e-atomic-element e-flexbox-base e-default-div page-hero-copy\" data-id=\"18607da\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"18607da\">\n    <div class=\"elementor-element elementor-element-80328a2 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"80328a2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"80328a2\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"f85db7a\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"d29cd57\">Sujet Premium<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"d5f1bf5\" class=\"title-xl e-heading-base e-default-h1\">Gestion de la dette<\/h1>\n\t\t\t\t\t<p class=\"lede e-paragraph-base e-default-p\" data-interaction-id=\"888ddbc\">Remboursement des soldes, consolidation et obtention d&#039;une aide rapide. Inclus avec les formules Premium et Platine.<\/p>\n\t\t\t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"a7eb35e\">Premium<\/span>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img page-hero-img\" data-interaction-id=\"b439dd8\" id=\"276\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33.webp 1600w\" alt=\"\"\/>\t\t\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-89eb9fa e-con e-atomic-element e-flexbox-base e-default-section section\" data-id=\"89eb9fa\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"89eb9fa\">\n    <div class=\"elementor-element elementor-element-9221c11 e-con e-atomic-element e-flexbox-base e-default-div page-container\" data-id=\"9221c11\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9221c11\">\n    <div class=\"elementor-element elementor-element-fff9ed1 e-con e-atomic-element e-flexbox-base e-default-div section-head\" data-id=\"fff9ed1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fff9ed1\">\n    <div class=\"elementor-element elementor-element-c35227c e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"c35227c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c35227c\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"71ac94f\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"661177e\">10 articles<\/span>\n\t\t\n<\/div>\n\t\t\t<h2 data-interaction-id=\"6a6a1d0\" class=\"title-lg e-heading-base e-default-h2\">Lisez dans l&#039;ordre ou acc\u00e9dez directement \u00e0 n&#039;importe quel article.<\/h2>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-c4fec74 e-con e-atomic-element e-flexbox-base e-default-div card-row-gallery\" data-id=\"c4fec74\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c4fec74\">\n    <a class=\"elementor-element elementor-element-f15c578 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"f15c578\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f15c578\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/what-is-debt-and-is-all-debt-bad\/\" target=\"_self\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"727671f\" id=\"276\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-33.webp 1600w\" alt=\"\"\/>\t\t<div class=\"elementor-element elementor-element-c1a7e4e e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"c1a7e4e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c1a7e4e\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"34f6dc0\">Article 01 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"a7d0d46\" class=\"title-sm e-heading-base e-default-h3\">Qu&#039;est-ce que la dette, et toute dette est-elle mauvaise ?<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-d2026e0 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"d2026e0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d2026e0\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/interest-explained-the-price-of-borrowing\/\" target=\"_self\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"21dad2d\" id=\"283\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-768x664.webp\" width=\"768\" height=\"664\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-768x664.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-300x260.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-1024x886.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-1536x1329.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-14x12.webp 14w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72-600x519.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-72.webp 1600w\" alt=\"\"\/>\t\t<div class=\"elementor-element elementor-element-8b08db0 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"8b08db0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8b08db0\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"59b4da2\">Article 02 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"232bc5f\" class=\"title-sm e-heading-base e-default-h3\">L&#039;int\u00e9r\u00eat expliqu\u00e9 : le prix de l&#039;emprunt<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-9093f87 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"9093f87\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9093f87\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/credit-cards-a-tool-not-free-money\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"d79c664\" id=\"24\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-43.webp 1600w\" alt=\"Illustration for the article: Credit Cards 101 and Building Your Credit History\"\/>\t\t<div class=\"elementor-element elementor-element-3765104 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"3765104\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3765104\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"dff8a0a\">Article 03 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"ce08180\" class=\"title-sm e-heading-base e-default-h3\">Cartes de cr\u00e9dit\u00a0: un outil, pas de l\u2019argent gratuit<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-9f68270 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"9f68270\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9f68270\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/snowball-vs-avalanche-two-ways-to-pay-off-debt\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"0bdd21f\" id=\"284\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-768x729.webp\" width=\"768\" height=\"729\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-768x729.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-300x285.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-1024x972.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-1536x1457.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-13x12.webp 13w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-600x569.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74.webp 1600w\" alt=\"\"\/>\t\t<div class=\"elementor-element elementor-element-e732984 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"e732984\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e732984\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"3fb200d\">Article 04 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"6c70a26\" class=\"title-sm e-heading-base e-default-h3\">Effet boule de neige ou avalanche\u00a0: deux fa\u00e7ons de rembourser ses dettes<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-913cdaf e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"913cdaf\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"913cdaf\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/build-your-debt-repayment-plan-in-4-steps\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"c55b5ff\" id=\"170\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-768x545.webp\" width=\"768\" height=\"545\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-768x545.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-300x213.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-1024x727.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-1536x1091.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4-600x426.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-4.webp 1600w\" alt=\"Illustration of a planning clipboard with a calculator and folders\"\/>\t\t<div class=\"elementor-element elementor-element-88bcd6a e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"88bcd6a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"88bcd6a\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"355fa4d\">Article 05 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"e9a6f17\" class=\"title-sm e-heading-base e-default-h3\">\u00c9laborez votre plan de remboursement de dette en 4 \u00e9tapes<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-2f881bc e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"2f881bc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2f881bc\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/student-loans-borrowing-for-education-wisely\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"78064f8\" id=\"32\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-768x614.webp\" width=\"768\" height=\"614\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-768x614.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-300x240.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-1024x819.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-1536x1229.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-15x12.webp 15w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35-600x480.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-35.webp 1600w\" alt=\"Illustration for the article: Student Loans: Borrowing for Education in Canada\"\/>\t\t<div class=\"elementor-element elementor-element-a81c2e7 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"a81c2e7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a81c2e7\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"e391312\">Article 06 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"137a589\" class=\"title-sm e-heading-base e-default-h3\">Pr\u00eats \u00e9tudiants : emprunter intelligemment pour financer ses \u00e9tudes<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-2c4e894 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"2c4e894\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2c4e894\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/debt-consolidation-simplify-or-stumble\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"1e3ee90\" id=\"173\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-9.webp 1600w\" alt=\"Illustration of a bank machine dispensing cash\"\/>\t\t<div class=\"elementor-element elementor-element-0ab3fde e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"0ab3fde\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0ab3fde\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"1f97b09\">Article 07 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"e7aefc8\" class=\"title-sm e-heading-base e-default-h3\">Consolidation de dettes : simplifier ou tr\u00e9bucher ?<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-3e401d7 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"3e401d7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3e401d7\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/new-to-canada-managing-debt-and-avoiding-costly-traps\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"6236ee1\" id=\"35\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42.webp 1600w\" alt=\"Illustration for the article: Payday Loans and High-Cost Borrowing: The Risks\"\/>\t\t<div class=\"elementor-element elementor-element-27bcff6 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"27bcff6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"27bcff6\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"d761d3b\">Article 08 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"1df1629\" class=\"title-sm e-heading-base e-default-h3\">Vous venez d&#039;arriver au Canada\u00a0? G\u00e9rer sa dette et \u00e9viter les pi\u00e8ges co\u00fbteux<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-6becf2d e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"6becf2d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6becf2d\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/when-debt-feels-out-of-control-where-to-get-help\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"580d9f7\" id=\"26\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-37.webp 1600w\" alt=\"Illustration for the article: Is Your Money Safe? Understanding Deposit Insurance\"\/>\t\t<div class=\"elementor-element elementor-element-f756f2d e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"f756f2d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f756f2d\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"fef448d\">Article 09 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"9806243\" class=\"title-sm e-heading-base e-default-h3\">Quand les dettes vous semblent incontr\u00f4lables\u00a0: o\u00f9 trouver de l\u2019aide<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-d7d987b e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"d7d987b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d7d987b\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/how-much-debt-is-too-much-your-debt-to-income-ratio\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"5a96ddb\" id=\"36\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-768x481.webp\" width=\"768\" height=\"481\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-768x481.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-300x188.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-1024x642.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-1536x963.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-600x376.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47.webp 1600w\" alt=\"Illustration for the article: How Much Can You Safely Borrow? Budgeting and Debt Ratios\"\/>\t\t<div class=\"elementor-element elementor-element-b659340 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"b659340\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b659340\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"e4f6b0a\">Article 10 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"942c408\" class=\"title-sm e-heading-base e-default-h3\">Quel est le niveau d&#039;endettement excessif\u00a0? Votre ratio dette\/revenu<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n\n<\/div>\n\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-15d33af e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"15d33af\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"15d33af\">\n    <div class=\"elementor-element elementor-element-02f2b21 e-con e-atomic-element e-flexbox-base e-default-div page-container\" data-id=\"02f2b21\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"02f2b21\">\n    <div class=\"elementor-element elementor-element-bba527d e-con e-atomic-element e-flexbox-base e-default-div cta-band\" data-id=\"bba527d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bba527d\">\n    <div class=\"elementor-element elementor-element-e0df507 e-con e-atomic-element e-flexbox-base e-default-div cta-copy\" data-id=\"e0df507\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e0df507\">\n    \t\t\t<h2 data-interaction-id=\"f109858\" class=\"title-lg-light e-heading-base e-default-h2\">Acc\u00e9dez aux 100 articles avec Premium.<\/h2>\n\t\t\t\t\t<p class=\"text-light e-paragraph-base e-default-p\" data-interaction-id=\"cc2ba4c\">L&#039;offre Premium inclut \u00e9galement un nombre illimit\u00e9 de r\u00e9servations aupr\u00e8s de conseillers ainsi que des ateliers et des s\u00e9minaires gratuits.<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0a66b15 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"0a66b15\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0a66b15\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-accent e-button-base e-default-a\" data-interaction-id=\"e26e379\">\n\tD\u00e9couvrir Premium\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Premium topic Debt Management Paying down balances, consolidation and getting help early. Included with Premium and Platinum. Premium 10 articles [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":319,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-544","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Management - GMAT40<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Management - GMAT40\" \/>\n<meta property=\"og:description\" content=\"Premium topic Debt Management Paying down balances, consolidation and getting help early. 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