Here is a great site  i found for debt consolidation check it out.

How much you can save by consolidating debts?
Amount you can pay monthly on your debts.
Is debt consolidation good?

By: Emily Jones

Debt consolidation is favorable for those who’re struggling to manage multiple debts and cannot afford to make several payments each month. Debt consolidation program gives them a way out by which they can replace multiple bills with one low monthly payment and pay off debt with ease. When you consolidate debt, you pay less each month and save thousands of dollars. Check out the 8 benefits of debt consolidation.
5 Ways to pay off debt

There are 5 ways to get rid of debt and lead a stress-free life. But what’s important is that you choose the one that works for you.

1. Interest rate arbitration: This is where you choose an independent third party to negotiate low interest rates with your creditors. So, you can consolidate multiple bills with one low monthly payment. This is also known as loan consolidation. The benefits are:
* Pay less each month
* One monthly payment instead of many
* Credit score improves
2. Debt management: This is where you work with a debt solutions company to help you pay off your debts and create a budget. The benefits are:
* Interest is reduced
* Late fees may be waived off
* Manage multiple bills with ease
3. Debt settlement: This is where you have a settlement company/law firm working with your creditors to lower your payoff amount by 40-60%. With settlement, you have 2 major benefits:
* Creditors reduce interest
* They cut your principal balance
4. Chapter 13 bankruptcy: Chapter 13 is a court monitored debt repayment plan. The benefits are:
* Creditors reduce interest on your debt
* They trim the principal debt balance
* You don’t use your assets to pay off debt
5. Chapter 7 bankruptcy: This is where you hand over your assets to a court-appointed trustee who sells them off and uses the sale proceeds to pay off your debts. With Chapter 7 bankruptcy, you get the following benefits:
* Interest on your debt is lowered
* Principal balance is reduced
However, your credit score takes a hit and it’ll take quite a few years till you actually rebuild your score.