Just about everyone has debt, and it’s not hard to see why. With living expenses always increasing, credit cards that have exorbitant interest charges attached to them, as well as the number of things that crop up during daily life, nearly everyone has debt in some form or another. The question is, what do you do about it? Often the debt is too much to pay off each bill on its own, and so debt consolidation can be awfully helpful. Once you’ve decided debt consolidation is the only way to do it, the real question is what kind of debt consolidation do you use?