If you look online you will find many companies that handle debt consolidation. You will see that most of them offer testimonials and forums along with education information of the staff who work from that site. The choice is yours and know that they all have their mathematical way of figuring out what solution is best for you. They will arrive at a program that is based on your living expenses and your income and debt.
When making your choice, pick on that is not judging your or seems like they are wanting to take advantage of your financial problems. Pick the one that talks to you in a dignified way and has your personal interest at heart. Many people will have hard times at some point in their life and so this service was created.
You will find these companies offer a staff who are trained financial counselors and most enjoy their job and are good at it. Be aware that although a counselor can help, you can call your creditors yourself and arrange a deal with them that will be good for both of you.