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One of the downsides of working with a traditional debt consolidator is that your credit card accounts are open and available for use.You may be tempted to continue using your cards and could wind up doubling your debt.Is bill consolidation through a debt management program free? If you work with a nonprofit organization, like In Charge Debt Solutions, you will pay a set-up fee (on average, ) and a monthly fee to maintain it (average ).It’s important when you consider debt relief solutions that you compare interest rates and fees.If you’d prefer to speak with a live counselor, call the number on the right.

Finally, if you are able to secure a debt consolidation loan with a low monthly payment, it may be at the expense of the repayment period: you may be paying the loan for a decade or longer.Because you now only have one loan, you have one monthly payment. If your credit score is not high, you may not qualify for a consolidation loan.If you do qualify, you may not qualify for competitive interest rates.If you are juggling multiple credit card bills, you may benefit from the convenience of having one consolidated monthly payment.Consider all of the bills that the modern household pays (mortgage/rent, utilities, cell phone, cable, internet, etc.).