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Notice: Information contained in this site is complied from personal experience, and may not apply to your consolidated loan needs. Please seek professional financial planning. Professional Financial Planning is necessary when trying to develop a plan of financial freedom, and debt reduction program. Don't experiment with any get out debt program, if you feel overwhelmed by planning your own debt reduction program, you need to admit you need help with your family's financial health. Everyone's debt situation is different, and you may need a get out of debt program specially customized for your debt and income levels, so shop around for a consumer debt counselor. From personal experiences, all certification programs aren't the same, so if you are looking for a certified debt counselor, please ensure you get references, and do research into what you need from a consumer debt counselor. Good luck.