Once you've found yourself in debt it may feel like a downward spiral from which you don't know how you'll ever regain your footing.  It's hard enough to find simple answers and may seem impossible when the collection agencies constantly call your house and threaten the security of you and your family.  Ultimately your decision to choose debt consolidation loans or a consumer credit counseling program to consolidate credit card debt , should be based on your own personal financial situation. Below we have provided you a debt consolidation calculator. Fill it out based on your loans and monthly payments to find out if debt consolidation is right for you. If you would like to talk with us about refinancing your debt contact us today.