Trying to manage multiple, high-interest debts is a daunting and expensive endeavor. Too many debts can prove unwieldy, leaving you the chaos of figuring out what payment is due when and to what creditor. On top of all of this, you also still have to figure out how you will be able to afford the exorbitant interest rates on your cards. The solution to all of these problems is debt consolidation. A professional debt consolidation program will bundle your many, high-interest debts into one more affordable package. Your interest rates come down, your monthly payment gets smaller, and more of your money goes toward the principal of your debt instead of interest payments. On average, debt consolidation customers become completely debt free in about four to eight years. As an added perk, you make one payment to your consolidation service, which then distributes the money among your creditors. You won’t have to deal with your creditors directly again.