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Debt consolidation is combining several unsecured debts - credit cards, medical bills, personal loans, payday loans, etc. - into one bill and paying all of them with a single loan. Instead of having to write checks to 5-10 creditors every month, you consolidate bills into one payment, and write one check. This helps eliminate 

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A debt consolidation loan could save money in the end simply because loans from a conventional bank normally come with lower interest rates than credit cards. Instead of posting checks to a variety of credit card providers on a monthly basis, you'll be responsible for your monthly loan payment. Of all the debt relief options,