Consolidation loans can help you streamline your repayment and save money on interest over time, but beware of pitfalls ...

If you find yourself unable to get out from under burdensome, high-interest debt despite your best efforts, it might be time to consider debt consolidation.

a debt management plan at a nonprofit credit counseling agency, a consolidation loan or a different option. Stop using credit: Temporarily switch to cash or a debit card if you must. If money is tight ...