The topic of debt consolidation is definitely very interesting. Lowering monthly payments is very often well worth the effort and in many cases debt consolidation can help people. Those who have unsecured debt might also be interested in credit counseling, because discussing financial matters with a professional can be a good idea. Overall, learning about debt consolidation is something that everyone who has debt should consider doing and there are is a lot of information on the Internet about the subject. If you are interested in lowering your monthly payments, then it might be a solution for you.