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This makes it easier to pay off debt because you are no longer bound to multiple payments and due dates each month.

There are two primary ways you can consolidate debt: balance transfers and personal loans. If you are looking to only consolidate credit card debt, a balance transfer is a great option.

Whether you owe student loans or carry a balance on your credit cards, the impact of debt can be felt in many areas of your life.

If your debt comes from multiple sources, it can make things much trickier as you juggle multiple payments each month.

Studies released by Urban Institute in July 2014 showed that 35 percent of Americans -- roughly one out of three -- are so behind in their finances that they have debt in collections.

Many people become overwhelmed by their debts, but they don't have to be.

if you do keep spending your situation will get worse, rather than better.

You can also consolidate your credit card debt by taking out a personal or consolidation loan to pay off your credit card balances.

advice consolidating credit card debt-8advice consolidating credit card debt-14

Even if they are members of such organizations, though, be picky. So while the agencies and employees vary, the plans are all structured the same way: Your counselor determines how much it will take to pay your creditors in full in three to five years.

Consolidation is not right for everyone, make a decision that's right for you. Your payments will remain the same until all the creditors are paid off. You must keep up with your monthly statements and forward them to the consolidation agency. You can't use your credit card until you're done with the debt management plan. A debt management plan is not bankruptcy, but it will appear negatively on your credit report. Here's what you need to know about consolidating accounts through a debt management plan with an agency. Instead, they have preset arrangements with most financial institutions, many of which lower interest rates and fees, so more of your payment goes toward the balance rather than finance charges. With something as precious as your finances, be exceedingly careful about who you work with.

Their debt management plans can help you get back on track -- but they can also be unnecessary and even detrimental when done through a poorly run organization or for the wrong reasons. These agencies do not make loans, nor do they settle debts.

If you are juggling multiple credit card bills, you may benefit from the convenience of having one consolidated monthly payment.

Consider all of the bills that the modern household pays (mortgage/rent, utilities, cell phone, cable, internet, etc.).

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