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That's where debt consolidation and other financial options come in.

Consolidate Your Debt Now Debt consolidation is combining several unsecured debts — credit cards, medical bills, personal loans, payday loans, etc. Instead of having to write checks to 5–10 creditors every month, you consolidate bills into one payment, and write one check.

The best way to consolidate a large amount of credit card debt (anything over $3,000) without taking on a new loan, is to enroll in a Debt Management Plan.

Most financial experts agree that a Debt Management Plan (DMP) is the preferred method of debt consolidation.

This can allow you to set aside a portion of your income each month to pay down balances for each card, one at a time.