Free 30 minute debt consultation. No obligation - just an educational consultation of credit and debt assistance. CreditAndDebt's debt assistance service features: one bill to pay each month for all your accounts, no required home ownership, an end to creditor phone calls and harassment, drastically reduced interest, and no required credit check. Must be 18 to apply. Also offer credit repair and other credit resources. Find out more

FreeDebtConsolidaiton works with approved non-profit credit counseling agencies to secure the best interest rates and lowest monthly payments, to help you consolidate all of your unsecured debt such as credit cards, medical bills, unsecured loans and student loans, into one lower monthly payment. There are no credit checks or home ownership required. Complete their debt consolidation request form to be contacted by a certified credit counselor. Find out more

Free debt consolidation consultation request. Reduce your monthly payments by up to 50%, stop creditor phone calls, and become debt free. Complete the online form to discover how this non-profit program can help you get out of debt. Minimum of $5,000 in unsecured debt to participate in this program. Find out more

Get debt relief from a non-profit you can trust. CareOne(SM) Debt Consolidation will help you lower you payments by up to 57% today. Get 100% online debt relife now. Consolidate your credit card debt. Lower your debt payments. Find out more

SmartDebtManagement's non-profit servicing agencies can review your finances and help you: decrease your credit card debt and interest by up to 60%, consolidate your monthly payments, eliminate late charges, and help you improve your credit rating. There are a variety of programs available. You make one monthly payment, and the agency will distribute the proper amounts to your creditors. Programs work with any type of unsecured debt, including: credit cards, department store cards, medical bills, unsecured personal loans, and collection agencies. No credit check necessary. Apply online or by phone. Find out more

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Free analysis. One low, monthly payment.

FinancialAid.com's free H@LO Federal Consolidation Loan can help you consolidate your college loan debt by lowering your monthly payments and reducing your interest for the life of the loan. Calculate your savings online with their loan consolidation calculator. Rates as low as 2.25%. Lower your monthly payments by up to 60%. Simply online application. No credit checks required. Must have over $10,000 in student loan debt; cannot be in default on any of your loans. Variety of payment programs to meet your specific needs. Find out more

Debt Reduction Center helps you get out of debt with a plan that works for you. They can help you reduce monthly payments by up to 50%, eliminate or reduce interest rates, avoid bankruptcy, and restore your credit rating. Home ownership not required. One simple, low, monthly payment. Apply online for free, no obligation debt and credit restoration information. Must have at least $5,000 unsecured debt to apply. Find out more

Credit Card Consolidators can help you reduce your credit card bills and unsecured debt. They can help you by cutting your debt in half, improving your credit rating, lowering monthly payments by 40-60%, stopping creditor harassment, eliminating late fees and reducing high interest rates, and consolidating your bills into one low monthly payment. No loan needed. Apply online for a free, no-obligation debt analysis. Must have at least $5000 in unsecured debt from 3 or more creditors to apply. Find out more