I found debt consolidation services on the internet at this website called www.debtconsolidationnonprofit.org. They have a lot of good information about the debt consolidation program. They will actually negotiate with your creditors in order to reduce your interest rate in exchange for a payment that is consistence.
They will work out a budget that you can live with. With lower interest rates more of your hard earned money will go toward paying off your debt. A typical debt consolidation program will last for five years. They also have a financial literacy program which teaches you good spending habits and also helps to end the bad spending habits.