Consolidating credit counseling

The main advantages of this are: There are many types of bill consolidation, from student loan consolidation, to credit balance transfers, to home equity loans and other forms of secured debt consolidation.In all cases, the consolidation just covers up a problem.

Many people assume that “debt consolidation” and “credit counseling” are essentially one and the same, but they offer very different services and may not be right for everyone.

The benefit of debt consolidation is that it allows you to wipe away all of your debt (except the one large loan) at once.

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These services can carry both initial and monthly fees - find out exactly what you will be paying and where your monthly paymernts will go.

Ask for monthly accounting statements so you continue to keep track of your debts and what your current balances are.