 TITLE: What Is Debt Consolidation? CONTENT: Weigh Your Options\n------------------\nIf you're struggling with multiple forms of high-interest debts, debt consolidation can help you make them more manageable and potentially lower your interest rate and monthly payments. Whether this method works for you will be contingent upon the state of your credit and whether you can qualify for debt consolidation with a lower interest rate than you're currently paying.\nIf your credit needs work, work on improving it before you apply for a debt consolidation loan or balance transfer credit card. Also consider trying Experian Boost™† , which could help give your score a lift by giving you credit for your on-time utility and telecom payments. END