Consolidation Loans When you need to consolidate debt a consolidation loan could be the answer. Although you can transfer money from credit card to credit card it can often be a lot cheaper overall to consolidate with a personal loan. Credit cards can often lure you in with offers for the first so many months but if you don't transfer away from that card before the offer has run out you may find yourself paying very high interest rates. Consolidation loans can offer a longer term solution by putting your debts into one repayment which you could spread over a longer period and so reduce the monthly repayments making more immediate cash available or you could opt for a higher monthly repayment with a shorter loan length and so lower the overall cost of credit. If your debts are becoming unmanageable anyou want help. You could try a Debt Consolidation Program UK Residents Can Click here to apply to Abacus if your Debts are over 10K   Other Useful sites www.studentloan.com Student Loans from Citi Bank - US Visitors Secured Personal Loans - Debt Consolidation UK www.loanconsolidation.ed.gov - US consolidation site