Do your own debt consolidation........and reduce your monthly payments too! You know that banksters and corporations want to keep you in debt and continue to profit with and from your money! they want to keep their hands in your purses and pocketbooks in order to extract your hard earned money whenever they please. learn to manage your own money, how to use your money for your own benefit, how to save money, how to invest money and find out for yourself what is the highest and best use for your money? don't just throw money away and reach your retirement penniless and broke.