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You are only restructuring your debt, not eliminating it.Debt consolidation helps consumers develop a workable budget, pay off debt and save money for retirement by combining all debts into one easy-to-manage monthly payment.Debt counselors offer a variety of services in local offices, online or over the phone to help with a debt consolidation plan.To do that, you have to change the way you view debt!
Dave says, "Personal finance is 80% behavior and only 20% head knowledge." Even though your choices landed you in a pile of debt, you have the power to work your way out! The solution isn’t a quick fix, and it won’t come in the form of a better interest rate, another loan, or debt settlement. In other words, they haven’t established good money habits for staying out of debt and building wealth.