"Most people at some time in their adult life end up with a pile of debt that just seems to have appeared and at some point, you have to stop the snowball effect of fighting highe ...

The average cardholder now carries nearly $8,000 in credit card debt and the total amount nationwide is currently ... themselves in over their heads, debt consolidation offers a potential lifeline.

a personal loan for debt consolidation might be your ticket out. Debt consolidation can also help people with multiple student loans lump them into one loan, ideally with a lower interest rate.